JP2010146361A - Automatic firm banking system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an apparatus for completely automatically executing a firm banking function by the instruction of the job system of a company between the job system of the company and the external system bank transaction system of a financial institution, and a method of automating firm banking. <P>SOLUTION: By converting the result of the communication system procedure of firm banking and the procedure of the instruction of an inquiry system into data, the procedure between the job system of the company and the external system bank transaction system of the financial institution is made unitary. The request instruction of the job system of the company is automatically monitored, the firm banking procedure of the request is automatically performed with instruction data as a trigger, and a processing result is notified to the job system of the company with the instruction. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The invention of the present application is an apparatus and a farm banking device that execute a farm banking function completely automatically according to an instruction of a company business system between two different systems, a company business system and an external bank transaction system of a financial institution. It relates to an automated method.

  The conventional bank transaction method using farm banking uses three different systems: a company business system, a farm banking system, and an external bank transaction system of a financial institution. The network is offline or connected by a network such as a LAN, and the farm banking system and the external bank transaction system of the financial institution are connected by a communication line such as a telephone line.

  In farm banking, a business that transmits data created by a company to a financial institution is called a contact system, and a business that receives data created by a financial institution is called a query system. The contact system includes general transfer and salary transfer, and the inquiry system includes deposit and withdrawal details and balance inquiry. Data handled in contact and inquiry operations is collectively referred to as Zengin Data.

  In conventional farm banking communication procedures, communication data created by a business system of a company is manually operated in the farm banking system and transmitted to an external bank transaction system of a financial institution. Similarly, in the inquiry system procedure, the farm banking system is manually operated, the inquiry system data generated by the external bank transaction system of the financial institution is received and used in the business system of the company.

  As described above, the information handled by farm banking has a drawback that there is a lot of confidential information such as personal information and business partner information, there is no uniformity in business procedures, and there are many manual operations.

  In general business system liaison work, payment is completed by creating Zengin data, so Zengin data must be manually transferred to the farm banking system and sent. Cannot be grasped by the business system.

  Similarly, inquiries must manually operate the farm banking system to receive all-bank data and move to the business system, and there is a risk of forgetting to receive or duplicate reception.

  When the farm banking system and the Zengin data are handled manually, there is a risk that malicious users will tamper with the Zengin data that is sent to the foreign banking transaction system.

  In addition, there is a risk that Zengin data brought in fraudulently by a malicious user is transmitted to an external bank transaction system without the approval of the responsible person.

  In addition, when using the farm banking system, the user can view all silver data, and there is a risk of information leakage.

  In addition, manual operation of the farm banking system has a risk of erroneous input and transmission even without the above-mentioned falsification and leakage.

  Further, there is a risk of hacking or virus infection if a company network and a financial institution network are directly connected via a farm banking system.

  The above-mentioned drawbacks are important issues in corporate internal control. The present invention unifies the business procedures of the contact system and the inquiry system, and automates all operations in farm banking to ensure the safety of information. The purpose is to plan.

  The invention of claim 1 of the present application is a data automatic control program for automatically controlling procedures and data flow related to bank transaction business from a business system of a company to an external bank transaction system of a financial institution, and an external bank transaction system. An automatic farm banking system comprising a farm banking program that communicates with and means for enhancing security.

  The automatic farm banking system uses data for instructing bank transactions from a business program to a financial institution, transmission data is used for a communication system, and reception instruction data is newly set for an inquiry system.

  Similarly, data for notifying the result of communication with the foreign bank transaction system of the financial institution is newly set for the communication system, and the transmission result data is used for the inquiry system.

  An instruction folder for storing instructions from business programs and a result folder for storing results to business programs are provided, and different instruction folders and result folders for each business program are associated with different communication information for each financial institution and banking business. Set in the communication information management database.

  The data automatic control program receives all the paths of the instruction folder to be monitored from the communication information management database at the time of activation, and cyclically monitors the instruction folder until the communicable time of farm banking ends.

  Farm banking program that interrupts patrol monitoring of instruction folders triggered by transmission data that is output from the business program to the instruction folder or received instruction data that occurs in the inquiry bank transaction business. , Execute instructions to the foreign bank transaction system of the financial institution, and monitor the communication results of the farm banking program.

  The farm banking program creates transmission result data when a liaison bank transaction is performed, and creates reception data when the inquiry bank transaction is performed, and ends communication.

  The data automatic control program acquires the path of the result folder related to the instruction folder that has acquired the instruction data from the communication information management database, moves the transmission result data created by the farm banking program or the reception data to the result folder, Return to instruction folder patrol monitoring.

  The data output to the result folder is managed by the business program, and a series of bank transaction business is completed.

  The invention according to claim 2 of the present application is an automatic farm banking system in which a protocol conversion communication system is introduced into a firewall as means for enhancing the security of the automatic farm banking system according to claim 1.

  Two automatic farm banking terminal devices are installed between a company's business system and an external bank transaction system of a financial institution, and the installed automatic farm banking terminal devices are connected to each other with a communication interface different from the internal network or external communication. Connecting.

  The automatic farm banking terminal devices can communicate with each other only as data used in the automatic farm banking system by a unique protocol as a protocol conversion communication system.

  The invention described in claims 1 and 2 is, for example, by connecting a salary system that requires a bank transaction business of a company and an external bank transaction system of a target financial institution by automatic farm banking. When salary data paid to employees is output to the instruction folder in salary transfer format data of Zengin data, it is automatically transmitted to the external bank transaction system of the target financial institution, and the transmission result is notified to the salary system.

  Similarly, in an accounts receivable management system or the like that requires inquired banking business, if the receiving instruction data of the deposit / withdrawal statement is output to the instruction folder in the corporate system, the external banking transaction system of the target financial institution is automatically By communicating, receiving deposit / withdrawal statement data, and transferring it to the accounts receivable management system etc., it can be used for the accounts receivable application.

  At this time, the business system, the automatic farm banking system, and the instruction folder and the result folder used in both systems are placed under the security established by the company, and there is no room for manual labor.

  By automating farm banking in a company's banking business, the risk of threats and vulnerabilities required by internal controls can be reduced.

  FIG. 3 is a block diagram comparing the outline of the conventional farm banking system (2X) with the outline of the automatic farm banking system (2).

  Comparing the conventional farm banking system (2X) and the automatic farm banking system (2) in FIG. 3, the conventional farm banking system (2X) has manual operations for both the contact bank transaction business and the inquiry bank transaction business. The automatic farm banking system (2) has no manual operation and is automatically controlled from the business system to the external bank transaction system.

  In the conventional farm banking system (2X), both the transmission data (110) and the reception data (120) are objects of manual operation. However, in the automatic farm banking system (2), security is protected.

  Therefore, the risk of the conventional farm banking system (2X) can be eliminated by replacing the conventional farm banking system (2X) with the automatic farm banking system (2).

  An embodiment of the invention described in claim 1 will be described.

  FIG. 2 is a block diagram for explaining a system configuration of the automatic farm banking terminal apparatus.

  The automatic farm banking terminal device (2T) is connected to a company business server (1T) via a LAN card (24).

  The automatic farm banking terminal device (2T) is connected via a terminal adapter (26) via an external bank transaction server (3T) of a financial institution and a communication card (25).

  FIG. 1 is a diagram for explaining the flow of processing from communication of a company's business system to an external bank transaction system of a financial institution and return to the company's business system when an automatic farm banking system is introduced into the company. It is.

  FIG. 5 is a diagram in which instruction data and result data are formulated to be used as automation triggers.

  The automatic farm banking system uses instruction data for instructing banking transactions from business programs to financial institutions, transmission data created in the format of Zengin Data for communication systems, and new reception instruction data (for inquiry systems) FIG. 6) is set.

  Similarly, the result data for notifying the result of communication with the foreign banking transaction system of the financial institution is newly set in the communication system as the transmission result data (Fig. 7), and the inquiry system is in the format of Zengin Bank data. Use the received data to create.

  As means for transferring the instruction data and the result data between the business system and the automatic farm banking system, two types of shared folders that can be accessed from the automatic farm banking system are provided in the business system of the company.

  The two types of shared folders are an instruction folder (11) for outputting data for issuing an instruction for banking business from the corporate system, and a result folder (12) used by the corporate system to acquire the result of the banking business. ).

  There may be a plurality of instruction folders and result folders depending on the business program classification.

  In the instruction folder, instruction data is output from the business program as needed for the bank transaction business.

  FIG. 4 is a diagram showing a data automatic control program of the automatic farm banking system using a flowchart.

  The data automatic control program is divided into an initialization phase (S1) and an automatic control phase (S2), and when activated, the initialization phase refers to the communication information management database, acquires the path of the instruction folder and the result folder, Move to automatic control phase.

  The automatic control phase includes steps of the instruction folder monitoring function (S21), the farm banking activation function (S22), the farm banking program (S23), the farm banking monitoring function (S24), and the business system notification function (S25). Become.

  The instruction folder monitoring function (S21) cyclically monitors the instruction folder (11) acquired in the initialization phase (S1), and senses the output of instruction data from the business program.

  When the instruction folder monitoring function (S21) finds instruction data in the instruction folder (11), the instruction folder monitoring function is interrupted and control is passed to the farm banking activation function (S22).

  The farm banking activation function (S22) moves the instruction data found above to the FB instruction folder (24), activates the farm banking program (S23), and causes the external bank transaction system of the financial institution to execute the instruction contents. At the same time, it passes control to the farm banking monitoring function (S24).

  The farm banking program (S23) judges the instruction data in the FB instruction folder (24) based on the information in the communication information management database (23), communicates with the foreign bank transaction system of the financial institution, Execute business.

  When the transmission data of the contact system instruction is received, the transmission result data is created in the FB result folder (25). When the inquiry system instruction data is received, the reception data is created in the FB result folder (25), and the communication is terminated. The farm banking program (S23) is finished.

  The farm banking monitoring function (S24) monitors the FB result folder (25) and senses the output of result data from the farm banking program (S23).

  When the farm banking monitoring function (S24) finds the result data in the FB result folder (25), the farm banking monitoring function (S24) is interrupted and control is passed to the business system notification function (S25).

  The business system notification function (S25) acquires the result data found above from the communication information management database (23), and obtains the result folder path related to the instruction folder from which the instruction data has been acquired. It moves and returns to the designated folder monitoring function (S21).

  Data output to the result folder (12) is managed by the business program, and a series of bank transaction business is completed.

  As shown in Fig. 6, the receiving instruction data, which is the instruction data for the inquiry banking business, uses format data consisting of a Zengin data code, a bank code, and a transmission / reception mode. It ’s an instruction.

  As shown in FIG. 7, the transmission result data which is the result data of the liaison bank transaction business is data in a format consisting of a Zengin data code, bank code, transmission / reception mode, message code, message content, user name and processing file. Used to notify the business system whether the Zengin data that was instructed to be transmitted was transmitted to the financial institution as instructed or not according to the content of the message.

  As shown in FIG. 8, the communication information management database includes instruction folder information, result folder information, business program, Zengin data code, bank code, transmission / reception mode, center code, customer confirmation code, personal identification number, file access key, It is a table with fields consisting of cycle count, telephone number, dial-up entry, connection destination IP address, connection destination host name, connection user name, connection password, and automatic farm banking system is an enterprise business system. Information for associating with an external bank transaction system of a financial institution is registered.

  An embodiment of the invention described in claim 2 will be described.

  The invention described in claim 2 is an automatic farm banking system in which a protocol conversion communication system is introduced into the invention of claim 1 as a firewall in order to enhance security of the automatic farm banking system.

  FIG. 9 is a diagram for explaining the configuration of the protocol conversion communication system.

  In the protocol conversion communication system, as shown in FIG. 9, two automatic farm banking terminal devices (2TA and 2TB) are installed between an in-house network (4) and a terminal adapter (26) for external communication.

  The first automatic farm banking terminal device (2TA) is connected to the internal network (4), and the other automatic farm banking terminal device (2TB) is connected to the external network via the terminal adapter (26). The two automatic farm banking terminal devices are connected by a serial communication (RS232C) cable (27).

  FIG. 10 is a diagram for explaining an outline when the protocol conversion communication system is introduced into the automatic farm banking system according to claim 1.

  The communication protocol (communication A2) of the external network (5) is Zengin TCP / IP, and the communication protocol (communication A1) of the in-house network (4) is often TCP / IP.

  In the protocol conversion communication system, the data communication program A controlled by the data automatic control program A (20A) is the data file acquired by the data automatic control program A (20A) of the automatic farm banking system A (2A) on the in-house network side. (28a) and the data communication program B (28b) are transmitted to the automatic farm banking system B (2B), and the data automatic control program B (20B) and the farm banking program (22B) are used to communicate with the financial institution to perform bank transaction I do.

  Data automatic control program A (20A) of automatic farm banking system A (2A) performs a farm banking monitoring function (S24) via data communication program A (28A) and data communication program B (28B) to notify the business system. The function (S25) notifies the business system of the result of the external communication via the data communication program A (28A) and the data communication program B (28B).

  The communication between the automatic farm banking system A (2A) and the automatic farm banking system B (2B) is performed using a communication interface, a different communication port, and a different communication protocol that are different from in-house network communication and external network communication. .

  In addition, the above different protocols are communication protocols designed so that only the data used in the automatic farm banking system can be communicated, so that malicious intruders can enter the corporate network from external communications. prevent.

It is a block diagram for demonstrating the structure of the automatic farm banking system which is one embodiment of this invention. It is a block diagram for demonstrating the structure of the system of the automatic farm banking terminal device which is one embodiment of this invention. It is the figure which showed the comparison of the conventional farm banking system and an automatic farm banking system. It is a flowchart which shows the flow of a process of a data automatic control program. It is a figure for demonstrating the format of the data used for instruction | indication data and result data. It is drawing for demonstrating the format of the instruction | indication data of an inquiry system bank transaction business. It is drawing for demonstrating the format of the result data of a connection system bank transaction business. It is a part of drawing which represented the data structure of the communication information management database typically. It is a block diagram for demonstrating the structure of the system of a protocol conversion communication system. It is a block diagram for demonstrating the structure of a system when a protocol conversion communication system is integrated in an automatic firm banking system.

Explanation of symbols

1 Company / Business System 2 Automatic Farm Banking System 3 Financial Institution / Foreign Bank Transaction System 4 Internal Network 5 External Network 10 Business System 11 Instruction Folder 12 Result Folder 20 Data Automatic Control Program 21 Security Management Program 22 Farm Banking Program 23 Communication Information Management database

Claims (2)

A data automatic control program that automatically controls the procedures and data flow related to banking business, from corporate business systems to foreign banking systems of financial institutions,
A farm banking program that communicates with external banking systems;
Means to enhance security,
In automatic farm banking system with
Means for providing an instruction folder for storing instructions from the business program, and a result folder for storing results to the business program;
Means for associating different instruction folders and result folders for each business program with different communication information for each financial institution and bank transaction business, and setting them in the communication information management database;
Means for setting the procedure that occurs in the inquiry banking business of the business program in the reception instruction data;
Means for using the transmission data generated in the liaison banking business of the business program and the reception instruction data as a trigger for starting the farm banking program via the instruction folder;
Means for setting the result of communication generated in the liaison banking business in the transmission result data;
Means for notifying the business system of the received data generated in the inquiry-type bank transaction business and the transmission result data via the result folder;
With
The data automatic control program is
Means for acquiring instruction folder information and result folder information to be monitored from the communication information management database;
Means for launching a farm banking program and communicating with an external bank transaction system of a financial institution when transmission data or reception instruction data exists in the instruction folder;
Means for monitoring transmission result data or reception data output from the farm banking program and notifying the business system via the result folder;
With
The above farm banking program
Means activated by the data automatic control program triggered by instruction data;
When the transmission data is acquired from the data automatic control program, it is determined that it is a liaison bank transaction business, the transmission data is transmitted to the external bank transaction system, and the communication result is output to the transmission result data.
When receiving the reception instruction data from the data automatic control program, it is determined that it is an inquiry-type bank transaction business, a reception instruction is given to the external bank transaction system, and the reception data is acquired;
An automatic farm banking system characterized by having In the automatic farm banking system of Claim 1,
Two automatic farm banking terminal devices are installed between a company's business system and an external bank transaction system of a financial institution, and the installed automatic farm banking terminal devices are connected to each other with a communication interface different from the internal network or external communication. Means for connecting;
The communication between the above automatic farm banking terminal devices, as a protocol conversion communication system, a communication means capable of communicating only data used in the automatic farm banking system by a unique protocol;
An automatic farm banking system characterized by having

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