JP2013164804A - Program, telegram controller and telegram control method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To control generation of an appropriate reply telegram to an inquiry telegram.SOLUTION: A program causes a computer to function as: an acquisition part for acquiring a reply from a client to an inquiry telegram from a payee-side host computer; and a reply control part for controlling generation of a reply telegram to the inquiry telegram in accordance with a correction content in the reply from the client.

Description

  The present invention relates to a program, a message control device, and a message control method.

  Recently, exchange processing between different financial institutions is widely performed. For example, in a financial institution or the like, when a client makes a money exchange request such as a transfer, the transfer destination (also referred to as the destination side) financial institution from the host computer of the financial institution of the transfer source (also referred to as the destination side). A transfer message is transmitted to the host computer of the. Then, automatic depositing processing is performed in a host computer possessed by the financial institution on the destination side.

  On the other hand, if the transfer message is incomplete and payment to the account specified by the client cannot be performed, the host computer on the destination side sends an inquiry message that describes the details to the financial institution on the destination side. The transfer process is completed according to the response message from the financial institution on the side.

  Upon receiving the above inquiry message, the destination financial institution transmits a response message requesting correction or money return according to the contents of the inquiry message. For example, when the deficient content described in the inquiry message is a data hitting error, the destination financial institution transmits a response message requesting correction or restructuring of funds. On the other hand, the financial institution on the destination side inquires the client about the post-processing method (correction or reorganization of funds) when the deficiency described in the inquiry message is an error in the entry by the client. Create an answer message according to the answer.

  To explain in more detail, the operator confirms the contents of the response from the client, and if either one of the recipient account number or recipient name is incorrect, responds to the inquiry message with a correction message. When both the payee account number and the payee name are incorrect, the inquiry message was answered by a return message.

  Note that, in the following Patent Document 1, a centralized currency exchange agent processing system including a communication device that performs an inquiry operation to a client in a destination financial institution is proposed among the above operations.

JP 2007-179205 A

  However, it has been left to the operator to decide whether to reply to the inquiry message by using a correction message or a combination message. For this reason, there is a possibility that a mistake may occur in that an inquiry message is answered with a correction message even though both the payee account number and the payee name are incorrect. Also, if the operator notices that the recipient's name is also incorrect while creating a correction message that corrects the payee account number, the operator corrects the correction message being created and creates a new recombination message. There is also concern about the deterioration of efficiency.

  Therefore, the present invention has been made in view of the above problems, and the object of the present invention is new and improved, which is capable of controlling the creation of an appropriate response message for an inquiry message. To provide a program, a message control device, and a message control method.

  In order to solve the above-described problem, according to an aspect of the present invention, a computer obtains an answer from a client for a query message from a destination host, and corrects the answer from the client A program for functioning as an answer control unit that controls the creation of an answer message for the inquiry message according to the content is provided.

  The answer control unit may control the creation of a correction message or a combination message as the answer message.

  The answer control unit controls creation of the correction message when the number of correction parts in the answer is less than a predetermined value, and creates the recombination message when the number of correction parts in the answer is equal to or more than a predetermined number. May be controlled.

  The answer control unit controls the creation of the recombination message when both the recipient account number and the recipient name are included in the corrected portion in the answer, and the recipient account number or the receipt is received in the corrected portion in the answer. When at least one of the names is not included, the creation of the correction message may be controlled.

  The answer control unit may control the creation of the return message when the corrected financial institution name or the branch name of the destination financial institution is included in the correction part in the answer.

  The program causes the computer to further function as a display control unit that controls display of an answer input screen from the client, and the acquisition unit acquires the answer from the client by an operation on the answer input screen. May be.

  In order to solve the above-mentioned problem, according to another aspect of the present invention, an acquisition unit that acquires a response from a client in response to a query message from a destination-side host, and a correction in the response from the client There is provided a message control device comprising: an answer control unit that controls creation of an answer message for the inquiry message according to the content.

  In order to solve the above-described problem, according to another aspect of the present invention, a step of obtaining a reply from a client in response to a query message from a destination host, and a correction content in the reply from the client And a step of controlling the creation of a reply message for the inquiry message.

  As described above, according to the present invention, it is possible to control creation of an appropriate response message for an inquiry message.

It is explanatory drawing which showed the structure of the financial system by embodiment of this invention. It is explanatory drawing which showed the basic operation | movement of the financial system by embodiment of this invention. It is explanatory drawing which showed the specific example of the message | telegram. It is explanatory drawing which showed the specific example of the message | telegram. It is explanatory drawing which showed the specific example of the message | telegram. It is explanatory drawing which showed the specific example of the message | telegram. It is a functional block diagram showing a configuration of an entry PC according to an embodiment of the present invention. It is explanatory drawing which showed the specific example of the reply input screen. It is explanatory drawing which showed the specific example of the reply input screen. It is explanatory drawing which showed the specific example of the reply input screen. It is the flowchart which showed the operation | movement of an answer control part. It is the flowchart which showed the preparation control of the reply message | telegram by a 1st modification. It is the flowchart which showed the preparation control of the reply message | telegram by a 2nd modification. It is the block diagram which showed the hardware constitutions of entry PC.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  In the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numeral. However, when it is not necessary to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given.

<1. Structure of financial system>
FIG. 1 is an explanatory diagram showing a configuration of a financial system according to an embodiment of the present invention. As shown in FIG. 1, the financial system according to the embodiment of the present invention includes a destination bank host 11, a dedicated network 13, a destination bank host 15, a bank network 17, an exchange system 19, and a transfer management. A system 20, a public network 33, and a transfer requester's telephone / FAX 36 are provided.

  The destination bank host 11 is a host computer such as a transfer-destination financial institution, and is connected via a dedicated network 13 to a destination bank host 15 that is a host computer such as a transfer-side financial institution. The destination bank host 11 confirms the contents of the transfer message received from the destination bank host 15 and performs automatic deposit processing for depositing funds to the target account. Here, the destination bank host 11 has a customer information DB (not shown), and searches for a target account based on the contents of the transfer message. The customer information DB is a database that stores customer information (account ledger) such as account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, and deposit balance.

  On the other hand, the destination bank host 11 transfers the transfer message as in the case where the account number on the transfer message does not exist in the ledger, or when the name of the account holder in the ledger and the name of the recipient on the transfer message do not match. If there is any deficiency, an inquiry message describing the deficiency content is transmitted to the destination bank host 15.

  The destination bank host 15 transmits a transfer message to the transfer destination bank host 11 via the dedicated network 13 based on the request from the transfer requester. Further, the destination bank host 15 is connected to the exchange system 19 and the transfer management system 20 via the bank network 17.

  The transfer management system 20 includes a management server 22, an entry PC (Personal Computer) 23, and a telephone / FAX 26. The management server 22 accumulates the inquiry message received from the bank bank host 11 on the destination side, and the entry PC 23 creates a response message for the inquiry message according to the operation by the operator. The telephone / FAX 26 is an example of a communication unit connected to the transfer requester's telephone / FAX 36 via the public network 33, and the operator can use this telephone / FAX 26 to contact the transfer requester.

<2. Financial System Operation>
In the above, the structure of the financial system by embodiment of this invention was demonstrated. Next, the basic operation of the financial system according to the embodiment of the present invention will be described.

  FIG. 2 is an explanatory diagram showing the basic operation of the financial system according to the embodiment of the present invention. As shown in FIG. 2, first, the destination exchange system 19 transmits a transfer message to the destination bank host 11 via the dedicated network 13 (S100). As shown in FIG. 3A, the transfer message includes, for example, information indicating the branch name of the financial institution to be received, the branch name of the financial institution to which the bank is directed, the exchange item, the amount, the payee, and the client.

  Here, when a payment error occurs in the designated account due to a deficiency of the transfer message in the destination bank host 11 (S104), the destination bank host 11 sends a reference message describing the deficiencies of the transfer message to the destination bank. The destination bank host 15 transmits it to the host 15 via the dedicated network 13, and transmits the received inquiry message to the transfer management system 20 (S108).

  As shown in FIG. 3B, the inquiry message includes, for example, information indicating a destination financial institution branch name, a destination financial institution branch name, an exchange item, and a communication portion. More specifically, FIG. 3B shows an inquiry message for inquiring that the account holder of the account number (ordinary) 1235467 is not the “Uketori Hanayo” and therefore the owner is different.

  The inquiry message transmitted to the transfer management system 20 is stored in the management server 22 of the transfer management system 20, and the content of the inquiry message is confirmed by the operator at the entry PC 23 (S112). The entry PC 23 acquires the processing result in the exchange system 19 from the exchange system 19 (S116), and the operator of the entry PC 23 determines the cause of the error by comparing the contents of the inquiry message with the processing result in the exchange system 19. Determine (S120). Here, when the operator of the entry PC 23 determines that the cause of the error is a call-missing error, the operator performs processing (preparation and transmission of a response message) according to the call-making error (S124).

  On the other hand, when the cause of the error is not a call-in mistake but the entry contents of the transfer requester, the operator of the entry PC 23 inquires about the corresponding contents using the telephone / FAX 26 to the transfer requester (S126). When the transfer requester answers the inquiry (S128), a correction message or a return message is created as an answer message in the entry PC 23 (S130), and a correction message or a return message is sent as the answer message for the inquiry message. Is transmitted (S140).

  As shown in FIG. 3C, the correction message includes, for example, a destination financial institution branch name, a destination financial institution branch name, an exchange item, and a communication sentence that corrects the account number “1235467” to “1234567”. Further, as shown in FIG. 3D, the reorganization message includes, for example, a destination financial institution branch name, a destination financial institution branch name, an exchange item, and a message requesting the return of funds.

(Background of this embodiment)
By the way, regarding the creation of the reply message described above (S130), the operator confirms the reply content from the client, and if any one of the recipient account number or the recipient name is incorrect, If the recipient account number and recipient name are both incorrect, a reply message was returned to the inquiry message.

  However, it has been left to the operator to decide whether to reply to the inquiry message by using a correction message or a combination message. For this reason, there is a possibility that a mistake may occur in that an inquiry message is answered with a correction message even though both the payee account number and the payee name are incorrect. Also, if the operator notices that the recipient's name is also incorrect while creating a correction message that corrects the payee account number, the operator corrects the correction message being created and creates a new recombination message. There is also concern about the deterioration of efficiency.

  Then, it came to create embodiment of this invention from the above circumstances. According to the embodiment of the present invention, it is possible to control the creation of an appropriate response message for an inquiry message. Hereinafter, the embodiment of the present invention will be described in more detail. In the following, an example will be described in which the entry PC 23 operates as a message control device that automatically creates a response message for an inquiry message. However, the management server 22 may operate as a message control device that automatically generates a response message. Is possible.

<3. Configuration of entry PC>
FIG. 4 is a functional block diagram showing the configuration of the entry PC 23 according to the embodiment of the present invention. As shown in FIG. 4, the entry PC 23 according to the embodiment of the present invention includes a communication unit 220, a display control unit 230, a display unit 240, an operation input unit 250, and an answer control unit 260.

  The communication unit 220 is an interface for transmitting / receiving information to / from other devices. More specifically, the communication unit 220 according to the present embodiment transmits an answer message created (edited) by the answer control unit 260.

  The display control unit 230 controls display by the display unit 240. For example, the display control unit 230 according to the present embodiment causes the display unit 240 to display an answer input screen for inputting an answer from the transfer client in order to create an answer message for the inquiry message. The display unit 240 is a display module configured by an LCD (Liquid Crystal Display), an OLED (Organic light-Emitting Diode), a CRT (Cathode Ray Tube), or the like.

  The operation input unit 250 generates an input signal based on input by the operator such as a mouse, a keyboard, and a touch panel, and an input by the operator, and inputs the input signal to the display control unit 230 and the answer control unit 260. It consists of an input control circuit for output. The operator can input the response content from the transfer requester on the response input screen by operating the operation input unit 250. Hereinafter, with reference to FIG. 5, the answer input screen and the contents input by the operator will be described in detail.

  FIG. 5 is an explanatory diagram showing a specific example of an answer input screen. As shown in FIG. 5A, at the initial display of the answer input screen, the contents described in the transfer message are described as the financial institution branch name, the payee account number, and the payee.

  Then, when the operator inputs the response content from the client via the operation input unit 250 on the answer input screen, the answer input screen shown in FIGS. 5B and 5C is obtained. For example, when the content of the response is a content that corrects the recipient account number “1235467” to “1234567”, an answer input screen as shown in FIG. 5B is displayed.

  In addition, when the content of the response is such that the payee account number “1235467” is corrected to “1234567” and the payee is corrected from “Uketori Hanayo” to “Uketri Hanako”, the response as shown in FIG. 5C. The input screen is displayed.

  In the above description, an example has been described in which the operation input unit 250 functions as an acquisition unit that acquires response contents from a client by an operator operation. However, the present embodiment is not limited to such an example. For example, the contents of the answer can be directly specified by the client using the Internet. In this case, the configuration for receiving the response content designated via the Internet functions as a response content acquisition unit. Further, when the response content from the client is obtained by FAX, the response content can be automatically extracted from the FAX by image recognition.

  The response control unit 260 controls the creation of a response message for the inquiry message according to the correction location in the response from the client obtained as described above. Hereinafter, the response message creation control by the response control unit 260 will be specifically described with reference to FIG.

<4. Response message creation control>
FIG. 6 is a flowchart showing the operation of the answer control unit 260. As shown in FIG. 6, when the operator inputs the content of the response from the client on the response input screen (S131), the response control unit 260 determines whether or not the name of the financial institution at the transfer destination or the branch name of the financial institution has been corrected. Is determined (S132).

  When the transfer destination financial institution name or the financial institution branch name is corrected, the response control unit 260 creates a recombination message as shown in FIG. 3D (S133), and the communication unit 220 performs response control. The reorganization message created by the unit 260 is transmitted to the destination bank host 11 (S140A). In the above description, an example in which the answer control unit 260 creates a recombination message has been described. However, the answer control unit 260 instructs the management server 22 to create a recombination message, and the management server 22 creates a rebate message. Also good.

  On the other hand, when the name of the financial institution at the transfer destination or the branch name of the financial institution has not been corrected, the answer control unit 260 will explain the example in which the number of correction points is a predetermined number (hereinafter, the predetermined number is 2). It is determined whether or not this is the case (S134). If there are two correction points, the above-described processing of S133 and S140A is executed.

  If there is one correction part, the answer control unit 260 creates a correction message as shown in FIG. 3C (S138), and the communication unit 220 receives the correction message created by the answer control unit 260. The data is transmitted to the destination bank host 11 (S140B). In the above description, an example in which the answer control unit 260 creates a correction message has been described. However, the answer control unit 260 may instruct the management server 22 to create a correction message, and the management server 22 may create a correction message.

  As described above, according to the embodiment of the present invention, an appropriate response message (correction message or recombination message) is automatically generated according to the input result of the response content from the transfer requester, so that the operator It is possible to prevent erroneous processing due to judgment.

  In addition, according to the embodiment of the present invention, it is possible to prevent the inefficient work of recognizing an error and recreating a correct message during the creation of an erroneous response message, and thus it is possible to improve the efficiency of operator work. . Furthermore, since the reply message can be automatically created by the system, an operator with a low skill level can respond to the inquiry message.

<5. Modification>
In the above description, an example in which a response message is automatically created based on the number of correction points has been described as an example of creating a response message according to the correction content. However, the present embodiment is not limited to this example. Hereinafter, a modified example for creating a reply message will be described.

(First modification)
FIG. 7 is a flowchart showing the response message creation control according to the first modification. As shown in FIG. 7, when the operator inputs the response content from the client on the response input screen (S131), the response control unit 260 determines whether or not the name of the financial institution at the transfer destination or the branch name of the financial institution has been corrected. Is determined (S132). When the transfer destination financial institution name or the financial institution branch name is corrected, the processing of S133 and S140A described with reference to FIG. 6 is executed.

  On the other hand, when the transfer destination financial institution name or the financial institution branch name has not been corrected, the response control unit 260 determines whether or not the payee account number is included in the corrected portion (S135). If the payee account number is included in the corrected part, the processing of S133 and S140A described with reference to FIG. 6 is executed. Further, when the payee account number is not included in the corrected portion, the processing of S138 and S140B described with reference to FIG. 6 is executed.

  As described above, according to the first modification, it is possible to automatically create an answer message according to the item type of the correction part, not the number of correction parts. In the above description, an example is described in which a rewrite message is created when the payee account number is included in the correction location. However, the response control unit 260 creates a rewind message if the payee name is included in the correction location. If the recipient name is not included in the correction part, a correction message may be created.

(Second modification)
In the above description, the example in which the number of items excluding the name of the financial institution or the branch name of the financial institution is two has been described. However, the number of items may increase due to the addition of other items. Further, in the above description, an example in which information indicating the account type is included in the payee account number has been described. However, the number of items may increase even when an item indicating the account type is separated from the payee account number. According to the second modified example, even when the number of items is increased in this way, if one or more specific items are corrected, a recombination message is created, and one or two or more items are created. If at least one of the specific items is not corrected, a correction message can be created.

  FIG. 8 is a flowchart showing answer message creation control according to the second modification. As shown in FIG. 8, when the operator inputs the response content from the client on the response input screen (S131), the response control unit 260 determines whether or not the name of the financial institution at the transfer destination or the branch name of the financial institution has been corrected. Is determined (S132). When the transfer destination financial institution name or the financial institution branch name is corrected, the processing of S133 and S140A described with reference to FIG. 6 is executed.

  On the other hand, when the name of the financial institution at the transfer destination or the branch name of the financial institution is not corrected, the response control unit 260 corrects both the payee account number and the payee name as one or more specific items. It is determined whether or not (S136). When both the payee account number and the payee name are corrected, the processing of S133 and S140A described with reference to FIG. 6 is executed. If at least one of the payee account number and the payee name is not corrected, the processing of S138 and S140B described with reference to FIG. 6 is executed.

<6. Hardware configuration>
The embodiments of the present invention have been described above. Information processing such as the message creation processing by the entry PC 23 described above is realized by cooperation of software and hardware of the entry PC 23 described below.

  FIG. 9 is a block diagram showing a hardware configuration of the entry PC 23. The entry PC 23 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The entry PC 23 includes a bridge 205, an external bus 206, an interface 207, an input device 208, an output device 210, a storage device 211, a drive 212, and a network interface 215.

  The CPU 201 functions as an arithmetic processing unit and a control unit, and controls the overall operation in the entry PC 23 according to various programs. Further, the CPU 201 may be a microprocessor. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 204 including a CPU bus.

  The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. Note that the host bus 204, the bridge 205, and the external bus 206 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 208 includes input means for a user to input information, such as a mouse, keyboard, touch panel, button, microphone, switch, and lever, and an input control circuit that generates an input signal based on the input by the user and outputs the input signal to the CPU 201. Etc. The user of the entry PC 23 can input various data and instruct processing operations to the entry PC 23 by operating the input device 208.

  The output device 210 includes display devices such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, and a lamp. Furthermore, the output device 210 includes an audio output device such as a speaker and headphones. The output device 210 outputs reproduced content, for example. Specifically, the display device displays various information such as reproduced video data as text or images. On the other hand, the audio output device converts reproduced audio data or the like into audio and outputs it.

  The storage device 211 is a data storage device configured as an example of a storage unit of the entry PC 23 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is composed of, for example, an HDD (Hard Disk Drive). The storage device 211 drives a hard disk and stores programs executed by the CPU 201 and various data.

  The drive 212 is a storage medium reader / writer, and is built in or externally attached to the entry PC 23. The drive 212 reads information recorded on a removable storage medium 24 such as a mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs it to the RAM 203. The drive 212 can also write information to the removable storage medium 24.

  The network interface 215 is a communication interface configured with, for example, a communication device for connecting to another apparatus. The network interface 215 may be a wireless LAN (Local Area Network) compatible communication device, an LTE (Long Term Evolution) compatible communication device, or a wire communication device that performs wired communication.

  Although the hardware configuration of the entry PC 23 has been described above with reference to FIG. 9, the hardware of other devices constituting the financial system can also be configured substantially the same as the entry PC 23.

<7. Conclusion>
As described above, according to the embodiment of the present invention, an appropriate response message (correction message or recombination message) is automatically generated according to the input result of the response content from the transfer requester, so that the operator It is possible to prevent erroneous processing due to judgment. In addition, according to the embodiment of the present invention, it is possible to prevent the inefficient work of recognizing an error and recreating a correct message during the creation of an erroneous response message, and thus it is possible to improve the efficiency of operator work. . Furthermore, since the reply message can be automatically created by the system, an operator with a low skill level can respond to the inquiry message.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, each step in the processing of the financial system and the entry PC 23 of this specification does not necessarily have to be processed in time series in the order described as a sequence diagram or a flowchart. For example, each step in the processing of the entry PC 23 may be processed in an order different from the order described as the flowchart, or may be processed in parallel.

  In addition, it is possible to create a computer program for causing hardware such as the CPU 201, the ROM 202, and the RAM 203 built in the entry PC 23 to perform the same functions as the components of the entry PC 23 described above. A storage medium storing the computer program is also provided.

11 Destination bank host 13 Dedicated network 15 Destination bank host 17 Bank network 19 Exchange system 20 Transfer management system 22 Management server 23 Entry PC
33 Public network 220 Communication unit 230 Display control unit 240 Display unit 250 Operation input unit 260 Answer control unit

Claims (8)

Computer
An acquisition unit that acquires the response from the client in response to the inquiry message from the destination host;
An answer control unit that controls creation of an answer message for the inquiry message according to the correction content in the answer from the client;
Program to function as   The program according to claim 1, wherein the answer control unit controls creation of a correction message or a combination message as the answer message.   The answer control unit controls creation of the correction message when the number of correction parts in the answer is less than a predetermined value, and creates the recombination message when the number of correction parts in the answer is equal to or more than a predetermined number. The program according to claim 2, wherein the program is controlled. The answer control unit
If both the payee account number and the payee name are included in the corrected part in the answer, the creation of the recombination message is controlled,
4. The program according to claim 2, wherein the correction message is created when at least one of a payee account number and a payee name is not included in the correction portion in the answer. 5.   The said reply control part controls preparation of the said reorganization message | telegram, when the name of a destination financial institution or the branch name of a destination financial institution is contained in the correction part in the said reply. The program described in. The computer is further caused to function as a display control unit that controls display of an answer input screen from the client,
The said acquisition part is a program as described in any one of Claims 1-5 which acquires the said reply from the said client by operation with respect to the said reply input screen. An acquisition unit that acquires the response from the client in response to the inquiry message from the destination host;
An answer control unit that controls creation of an answer message for the inquiry message according to the correction content in the answer from the client;
A telegram control device. Obtaining a response from the client in response to the inquiry message from the destination host;
Controlling the creation of a response message for the inquiry message according to the correction content in the response from the client;
Including a message control method.

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