JP2005092672A - Transfer processor and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily facilitate a client to grasp a processing status of a requested transfer. <P>SOLUTION: When the transfer is requested by uploading of transfer data from a customer (refer to (1)), dummy transfer data with a one's own financial institution as a transfer destination wherein serial numbers are respectively set in EDI information columns are added to the end of the transfer data (refer to (2)), the serial number is registered into a table correlatively to client identification information (refer to (3)), and the transfer data added with the dummy transfer data are transmitted to an all bank system. When a money reception telegram corresponding to a dummy telegram is received from the all bank system (refer to (5)), the client is specified on the basis of the serial number set in the EDI column, and it is notified to the client that the transmission of the transfer data from the all bank system is completed. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a transfer processing apparatus and a program, and in particular, transfer data defining a transfer to be executed is received from each of a plurality of financial institution computers via communication lines, and received transfer data is transferred to the transfer data as a transfer destination. The present invention relates to a transfer processing apparatus connected to a transfer data distribution system for transmission to a computer of a set financial institution via a communication line, and a program for causing a computer to function as the transfer processing apparatus.

  In order to realize various financial transactions, each financial institution has a large-scale computer system, but these computer systems are used by the National Bankers Association to realize transfers between different financial institutions. It is connected to each computer system. When a transfer request is made by a customer, the financial institution (destination financial institution) creates transfer data that conforms to the format defined by the Zenginkyo (Zengin format) (the transfer data created by the customer may be brought in from the customer) Send the created transfer data to the Zenginkyo system. When the JBA system receives the transfer data from the destination financial institution, it transfers the transfer data to the financial institution (target financial institution) set as the transfer destination in the received transfer data. As a result, the destination financial institution performs processing such as payment to the transfer destination account, and the transfer requested by the customer is performed.

In relation to the above, in Patent Document 1, when a customer makes a reservation transfer using an automatic transfer machine, the destination financial institution notifies the destination financial institution that the transfer process has been completed. A technique is disclosed in which a destination financial institution contacts a customer with a processing result in accordance with a desired contact time and a contact method designated in advance by the customer.
JP-A-6-103296

  As described above, the transfer process is performed by transferring the transfer data between multiple computer systems with different jurisdictions. Therefore, the payment to the bank account specified by the transfer data is made to the destination financial institution. The fact is that the destination financial institution that sent the transfer data at the request of the customer has not been able to grasp whether or not it has been made by the customer. However, for customers who make payments with business partners by transfer, whether or not payments have been made to the business partner's bank account on the specified payment date is a matter of credit, and the processing status of the requested transfer There is a need to know.

  On the other hand, according to the technique described in Patent Document 1, since the processing result is notified to the customer when the completion of the transfer process is notified from the destination financial institution, the above needs can be satisfied. At the time of completion of the transaction, the destination financial institution does not currently notify the destination financial institution of the completion of processing. For this reason, in order to realize the technology described in Patent Document 1, it is necessary to change the agreement between each financial institution and JBA, and the computer system of all financial institutions connected to the JBA computer system. There is a problem that a system needs to be changed and a great deal of labor is required.

  The present invention has been made in consideration of the above facts, and an object of the present invention is to obtain a transfer processing apparatus and program that can easily realize that the client knows the processing status of the requested transfer.

  In order to achieve the above object, a transfer processing apparatus according to the invention described in claim 1 receives transfer data defining transfer to be executed from a plurality of financial institution computers via communication lines, and receives the received transfer data. A transfer processing device realized by a computer of a specific financial institution connected via a communication line to a transfer data distribution system that transmits the transfer data to a financial institution computer set as a transfer destination, from a client After adding dummy transfer data in which the specific financial institution is set as the transfer destination to the transfer data for executing the requested transfer, a transmission means for transmitting to the transfer data distribution system, and a dummy from the transfer data distribution system When the transfer data is received, the transfer means sent with the dummy transfer data added by the transmission means. A requester corresponding to the data, is characterized in that transmission of the transfer data in the transfer data distribution system comprising: a notifying means for notifying the completion of, the.

  The transfer processing apparatus according to the first aspect of the invention is realized by a computer of a specific financial institution connected to the transfer data distribution system via a communication line. In addition, the transfer data distribution system receives transfer data defining a transfer to be executed from a plurality of financial institution computers via a communication line, and the received transfer data is set as a transfer destination in the transfer data. It has a function to send to a computer of a financial institution. As this transfer data distribution system, for example, a system of the National Bank Association (JBA) can be applied as described in claim 2. In this case, as the transfer data, data conforming to a format defined by the Zenginkyo (data having a data structure in which a plurality of records in which data defining a single transfer to be executed is set) is used.

  Here, in the invention described in claim 1, transfer data for executing the transfer requested by the requester by the transmission means (transfer data created based on the request from the requester or may be brought in from the requester. To the transfer data distribution system after the dummy transfer data in which the specific financial institution is set as the transfer destination is added to the transfer data. In the transfer data distribution system, since the received transfer data is transmitted to the computer of the financial institution set as the transfer destination in the transfer data, the dummy transfer data is transmitted to the specific financial institution. When dummy transfer data is received by a specific financial institution, the transfer data to which the dummy transfer data is added is transmitted from the transfer data distribution system to a financial institution (destination financial institution) set as a transfer destination. It can be judged.

  When the notification means according to the first aspect of the invention receives the dummy transfer data from the transfer data distribution system, the notification means adds the dummy transfer data to the client corresponding to the transfer data transmitted by the transmission means. , Notify that the transfer data transmission in the transfer data distribution system has been completed. As a result, the client who requested the transfer to a specific financial institution (destination financial institution) cannot know whether or not the payment process to the transfer destination has been completed, but the transfer data is transferred from the transfer data distribution system to the target financial institution. It is possible to grasp that it has been transmitted. According to the first aspect of the present invention, since it is not necessary to change the computer system on the destination financial institution side, it is possible to easily realize that the client knows the processing status of the requested transfer.

  In the invention described in claim 1, when the transfer data is data in which a plurality of records in which data defining a single transfer to be executed is set, the transmission means is described in claim 3. As described above, it is preferable to add a record corresponding to the dummy transfer data to the end of the transfer data. In the transfer data distribution system that receives the transfer data having the above data structure, the received transfer data is usually processed in order from the first record (sent to the destination financial institution), so the record corresponding to the dummy transfer data is transferred to the transfer data. By appending to the end, the record corresponding to the dummy transfer data is processed last. When dummy transfer data is received at a specific financial institution, each record of the transfer data with the dummy transfer data added is received. It can be determined that the message is reliably transmitted to the destination financial institution, and the accuracy of notification by the notification means is improved.

  Further, in the invention described in claim 1, as described in claim 4, for example, the transmission means sets identification information in the dummy transfer data, and transfers the set identification information to the transfer data to which the dummy transfer data is added. The storage unit stores the identification information set in the received dummy transfer data in association with the requester identification information for identifying the client corresponding to the information stored in the storage unit. It is preferable to identify the client corresponding to the transfer data transmitted by adding the received dummy transfer data by collating with the identification information. As a result, when dummy transfer data is received from the transfer data distribution system, it is possible to easily identify a client corresponding to the transfer data transmitted with the dummy transfer data added.

  Further, in the invention described in claim 1, the notifying means transmits the e-mail to the client, or the client computer of the client connected via the communication line as described in claim 5, for example. By displaying information indicating the completion of transmission of the transfer data on the display device, it is possible to notify that the transmission of the transfer data in the transfer data distribution system has been completed.

  The program according to the invention of claim 6 is configured such that the transfer data defining the transfer to be executed is received from the computers of a plurality of financial institutions through the communication line, and the received transfer data is set as the transfer destination in the transfer data. The specified financial institution computer connected via a communication line to the transfer data distribution system to be sent to the computer of the financial institution specified as the transfer destination in the transfer data for executing the transfer requested by the client After adding dummy transfer data for setting a financial institution, the transmission means for transmitting to the transfer data distribution system, and when the dummy transfer data is received from the transfer data distribution system, the transmission means transmits the dummy transfer data. To the client corresponding to the transferred transfer data, the transfer data distribution system To function as a notification means for notifying that the transmission of the write data is completed.

  The program according to the invention described in claim 6 is a program for causing a computer connected to the transfer data distribution system via a communication line to function as a transmission unit and a notification unit. By executing the program according to the invention, the computer functions as the transfer processing device according to claim 1, and the processing status of the requested transfer is indicated to the client as in the invention according to claim 1. It can be easily realized.

  As described above, the present invention adds the dummy transfer data in which the specific financial institution is set as the transfer destination to the transfer data for executing the transfer requested by the client, and then transmits the transfer data to the transfer data distribution system. When dummy transfer data is received from the data distribution system, the client corresponding to the transfer data sent with the dummy transfer data added is notified that the transfer data transmission in the transfer data distribution system has been completed. Therefore, it has an excellent effect that it is possible to easily make the client know the processing status of the requested transfer.

  Hereinafter, an example of an embodiment of the present invention will be described in detail with reference to the drawings. FIG. 1 shows a computer system 10 according to the present embodiment. The computer system 10 includes a host computer 12 installed in a specific financial institution. The host computer 12 is composed of a general-purpose large computer and includes a CPU 12A, a ROM 12B, a RAM 12C, and an input / output port 12D, which are connected to each other via a bus 12E including a data bus, a control bus, an address bus, and the like. ing. The input / output port 12D is connected to a communication control device 14, a display 16 comprising a CRT or LCD, a keyboard 18 and an HDD (Hard Disk Drive) 20 as various input / output devices.

  Various application programs are installed in the HDD 20 of the host computer 12 in advance. The application program includes a transfer data transmission program for performing transfer data transmission processing described later and a dummy transfer data reception program for performing dummy transfer data reception processing described later. These transfer data transmission program and dummy transfer data reception program correspond to the program according to the sixth aspect of the present invention. By executing the transfer data transmission program and dummy transfer data reception program, the host computer 12 Functions as a transfer processing apparatus according to the present invention. The various application programs described above can be installed in the HDD 20 via a recording medium such as a magnetic tape.

  The communication control device 14 of the host computer 12 is connected to a computer system (Zengin System) 24 installed at the National Bank Association (Zenginkyo) via a communication line. Each financial institution other than the specific financial institution also has a host computer 26 (in FIG. 1, as an example, the host computers installed in the financial institutions A, B, and C have symbols 26A, 26B, and 26C. The host computer 26 installed in each financial institution is also connected to the Zengin System 24 via a communication line. The Zengin system 24 corresponds to the transfer data distribution system according to the present invention (specifically, the transfer data distribution system according to claim 2).

  The communication control device 14 of the host computer 12 is connected to a web server 30 that is installed in a specific financial institution and operates an online financial transaction website. A large number of client PCs 34 possessed by customers of a specific financial institution are connected to each other via a computer network (Internet) 32 that is connected to each other via the network. The specific financial institution according to the present embodiment provides an online financial transaction reception service that receives an online financial transaction execution instruction from a customer using an online financial transaction website operated by the web server 30. In the financial transaction using this online financial transaction reception service, the customer browses the web page of the online financial transaction website by the browser via the client PC 34 and inputs necessary information on the web page, so that the customer Information for instructing execution of a desired financial transaction (for example, transfer data in the case of transfer) is transmitted from the client PC 34 to the web server 30. Information received by the web server 30 is transferred to the host computer 12 through processing such as content check, and financial transactions instructed by customers are performed by the host computer 12.

  Next, as an operation of the present embodiment, processing when a transfer is requested from a customer to a specific financial institution using an online financial transaction acceptance service will be described. The request for transfer by the online financial transaction reception service is made in accordance with the instructions of the client in the state where the online financial transaction website is accessed from the client PC 34 and a predetermined web page in the site is displayed on the display of the client PC 34. The transfer data is transferred (uploaded) from the web server 30 to the web server 30. As shown in FIG. 4 as “transfer data” as an example, the transfer data has a data structure in which a plurality of records in which information defining a single transfer to be executed is set, and each record Includes information for specifying the transfer destination (“financial institution name”, “branch name”, “subject”, “account number”) and information such as the transfer amount as information that prescribes a single transfer to be performed. Is set.

  Transfer data is created by specifying a transfer destination for each single transfer on the web page of the online financial transaction website, or a regular list in which transfer destinations for regular transfers are registered in advance. Although it is possible to create the transfer data, the transfer data conforms to the Zengin format, so it is also possible to create it in advance using general accounting software, especially for a large number of cases. When requesting a transfer at the same time (for example, requesting 100 transfers at the same time as the transfer data shown in FIG. 4, for example), it is often created in advance using accounting software. As the transfer data created as described above is uploaded from the client PC 34 to the web server 30 via the Internet 32, the number of transfers corresponding to the number of records of the uploaded transfer data is simultaneously requested to a specific financial institution. (See also “(1) Transfer request” in FIG. 4).

  When receiving the transfer data uploaded from the client PC 34, the web server 30 scans the received transfer data and performs a format check such as whether or not it conforms to the Zengin format. A content check is performed such as checking whether the set financial institution and branch are actually existing financial institution / branch against a bank master in which this kind of information is registered. And the transfer data which passed the format check and the content check are registered into the predetermined database (DB) memorize | stored in HDD (illustration omitted) of the web server 30. FIG. The HDD 20 of the host computer 12 stores a transfer data DB (see FIG. 1) for registering transfer data to be transmitted. Of the transfer data registered in the predetermined DB of the web server 30, transfer data to be transmitted is transferred to the transfer data DB of the host computer 12 by batch processing performed at night.

  In the host computer 12, a transfer data transmission process (FIG. 2) described below is periodically executed. In the transfer data transmission process, first, in step 100, it is determined whether or not transfer data to be transmitted is registered in the transfer data DB. If the determination is negative, the process ends. If the determination is affirmative, the process proceeds to step 102, and the transfer data to be transmitted is extracted from the transfer data DB. In step 104, a serial number is given to the transfer data to be transmitted extracted from the transfer data DB in step 102. Then, in step 106, dummy transfer data is generated in which the specific bank of the specific financial institution is set as the transfer destination and the serial number assigned in step 104 is set in the EDI information column. In the next step 108, the dummy transfer generated in step 106 is generated. Add data to the transfer data to be sent.

  For example, in the example of FIG. 4, as shown as “(2) Add dummy transfer data”, a dummy in which “Head Office” of “XX Bank” which is the name of a specific financial institution is set as information for specifying a transfer destination. The transfer data is shown as being added as the 101st record to the transfer data to be transmitted consisting of 100 records. Although not shown in FIG. 4, each record of the transfer data includes a field called “EDI information column” in which any character within 20 alphanumeric characters can be set. In the EDI information column, for example, a key character string set by the recipient and transmitted to the transfer requester for the purpose of clearing accounts receivable is set. However, in the record of dummy transfer data, this EDI information column contains A serial number (character string “AAAAA” in the example of FIG. 4) is set. Further, in the present embodiment, in the “subject” and “account number” fields of the dummy transfer data, predetermined information indicating a record of dummy transfer data (for example, the character string “****” shown in FIG. 4). *** "etc.) is set.

  The HDD 20 of the host computer 12 stores a serial number table for registering serial numbers. In the next step 110, the serial number set in the dummy transfer data is transferred to the transfer data related to the transfer data to be transmitted. Is registered in the serial number table in association with client information for specifying the client (see also “(3) Serial number registration” in FIG. 4). Thus, the HDD 20 corresponds to the storage means described in claim 4. In step 112, transfer data to which dummy transfer data is added is transmitted to the Zengin System 24 (see also “(4) Transfer data transmission” in FIG. 4). When the process of step 112 is performed, the process returns to step 100. Accordingly, steps 100 to 112 are repeated until the determination at step 100 is negative. If dummy transfer data is added to all transfer data registered in the transfer data DB and transmitted to the Zengin System 24, the determination in step 100 is denied and the transfer data transmission process is terminated. . The transfer data transmission process described above corresponds to the transmission means according to the present invention (specifically, the transmission means described in claims 3 and 4).

  In the Zengin System 24, each time transfer data is received from the host computer 12 of a specific financial institution or the host computer 26 of another financial institution, data of a single record is extracted from the received transfer data, and the extracted data Are transmitted to the financial institution (destination financial institution) set as the transfer destination in the data in order from the first record of the received transfer data. As a result, for example, as shown in FIG. 4, when receiving transfer data instructing 101 transfers (of which 1 is a dummy) from a bank as a specific financial institution, the first record of the received transfer data Data is sent to bank A set as the transfer destination, data of the second record is sent to bank B set as the transfer destination, and data of the third record is set as the transfer destination C The data is transmitted to the bank, and the data of the 100th record is transmitted to the Z bank set as the transfer destination. Then, in the financial institution that has received the deposit message from the Zengin System, a deposit process for depositing the transfer amount set in the deposit message into the account set as the transfer destination in the deposit message is performed.

  In the Zengin System 24, when the record from which the data is extracted reaches the end of the transfer data, the dummy transfer data added to the end of the transfer data is extracted. In this record, the specific financial institution (destination financial institution: XX bank in the example of FIG. 4) of the transfer data transmission source is set as the transfer destination financial institution, so the dummy transfer data is the specific financial institution as the deposit message And the transfer data is received by the host computer 12 of the specific financial institution (see also “(5) Message reception of dummy transfer data” in FIG. 4).

  Each time the host computer 12 receives a deposit message from the Zengin System 24, the “Category” and “Account No.” fields of the received deposit message indicate predetermined information (eg, character data) indicating dummy transfer data. Column “*******” etc.) is set. If normal information is set in the above field, a deposit process is performed for depositing the transfer amount set in the received deposit message into the account set as the transfer destination in the received deposit message. However, when the predetermined information is set in the above field, it can be determined that the received deposit electronic message is dummy transfer data. Therefore, dummy transfer data reception processing (FIG. 3) described below is performed.

  In this transfer data reception process, in step 120, the serial number set in the EDI information column of the received dummy transfer data (payment message) is extracted. In the next step 122, the serial number table is searched using the serial number extracted in step 120 as a key, so that the serial number set in the received dummy transfer data is changed to the serial number registered in the serial number table. Match. When the same serial number is registered in the serial number table, the client information stored in association with the serial number is read, so that the transfer related to the transfer data to which the dummy transfer data is added can be performed. The requested client is recognized (see also “(6) Verification / Requester Identification” in FIG. 4). In step 124, the client recognized in step 122 is notified that the transfer data relating to the requested transfer has been transmitted from the Zengin System 24, and the transfer data reception process ends. The transfer data reception process described above corresponds to the notification means according to the present invention (specifically, the notification means described in claim 4).

  As the notification method in step 124, for example, a notification method for transmitting a message for notifying the above items as an e-mail to an e-mail address of a client registered in advance can be adopted. In addition, the online financial transaction website is accessed from the client PC 34, and a screen (for example, the receipt details inquiry screen shown in FIG. 5) that displays a list of transfer requests received from the site is displayed on the display of the client PC 34. At the time, for the transfer for which the deposit message corresponding to the dummy transfer data added at the time of the transfer data transmission has been received from the Zengin System 24, a display corresponding to the above notification is added (for example, the “Status” column in FIG. 5) (See “Transmitted”). The above notification method corresponds to the invention described in claim 5.

  As a result of the above notification, the client who requested the transfer to the specific financial institution cannot know whether or not the payment process to the designated transfer destination has been completed, but from the host computer 12 of the specific financial institution. It can be understood that the transmission of the transfer data to the Zengin System 24 and the transmission of the deposit telegram from the Zengin System 24 to the destination financial institution are completed.

  In the above description, the serial number is set in the EDI information column. However, the present invention is not limited to this, and the serial number may be set in a field other than the EDI information column.

  In the above description, the destination financial institution is set as the transfer destination set in the dummy transfer data. However, the present invention is not limited to this. A dummy financial institution is set as the transfer destination, and the dummy financial institution When a deposit message corresponding to the transfer data is received, the received deposit message may be transferred to the destination financial institution.

  Moreover, although the example which adds dummy transfer data to the tail of transfer data was demonstrated above, the invention of Claim 1 is not limited to this, Other than the end, such as the head of transfer data, an intermediate part, etc. It is also included in the scope of rights to add dummy transfer data to the position of.

  Furthermore, in the above description, an example in which a transfer request from a customer is made by uploading transfer data from the client PC 34 has been described. However, the transfer request form is not limited to the above, and for example, a request is made at a financial institution's window. It is also possible to apply the present invention to a requested transfer or a transfer requested by a customer operating an ATM (Automatic Teller Machine).

It is a schematic block diagram of the computer system which concerns on this embodiment. It is a flowchart which shows the content of the transfer data transmission process. It is a flowchart which shows the content of the process at the time of dummy transfer data reception. It is explanatory drawing explaining the content of the transfer process, giving an example of transfer data and dummy transfer data. It is an image figure which shows an example of a receipt details inquiry screen.

Explanation of symbols

10 Computer system 12 Host computer 20 HDD
24 Zengin System 26 Host computer 30 Web server 34 Client PC

Claims (6)

Transfer data for receiving transfer data defining a transfer to be executed from a plurality of financial institution computers via a communication line and transmitting the received transfer data to the financial institution computer set as the transfer destination in the transfer data A transfer processing device realized by a computer of a specific financial institution connected to a distribution system via a communication line,
Transmission means for transmitting to the transfer data distribution system after adding dummy transfer data in which the specific financial institution is set as a transfer destination to the transfer data for executing the transfer requested by the client;
When dummy transfer data is received from the transfer data distribution system, transmission of transfer data in the transfer data distribution system to the client corresponding to the transfer data transmitted with the dummy transfer data added by the transmission means A notification means for notifying that the
A transfer processing apparatus characterized by comprising:   2. The transfer processing apparatus according to claim 1, wherein the transfer data distribution system is a system of a national bank association.   The transfer data is data in which a plurality of records in which data defining a single transfer to be executed is set, and the transmission means sets a record corresponding to the dummy transfer data at the end of the transfer data. The transfer processing device according to claim 1, further comprising: The transmission means sets identification information in dummy transfer data, and stores the set identification information in association with client identification information for identifying a client corresponding to the transfer data to which the dummy transfer data is added. Memorize the means,
The notifying means checks the identification information set in the received dummy transfer data with the identification information stored in the storage means, thereby responding to the transfer data transmitted with the received dummy transfer data added. The transfer processing device according to claim 1, wherein a client to be identified is specified.   The notification means transmits an e-mail to the client, or displays information indicating completion of transmission of the transfer data on the display device of the client computer of the client connected via the communication line. 2. The transfer processing apparatus according to claim 1, wherein the transfer data delivery system notifies that the transfer of the transfer data has been completed. Transfer data for receiving transfer data defining a transfer to be executed from a plurality of financial institution computers via a communication line and transmitting the received transfer data to the financial institution computer set as the transfer destination in the transfer data A computer of a specific financial institution connected to the distribution system via a communication line,
A transmission means for transmitting to the transfer data distribution system after adding dummy transfer data in which the specific financial institution is set as the transfer destination to the transfer data for executing the transfer requested by the client;
When the dummy transfer data is received from the transfer data distribution system, the transfer data in the transfer data distribution system is sent to the client corresponding to the transfer data transmitted with the dummy transfer data added by the transmission means. A program that functions as a notification means for notifying that transmission of a message has been completed.

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