JP2017068374A - System and method for controlling transfer error inquiry destination in payment proxy - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve problems for example, when performing transfer from a contract company that is a transfer client in procedure, due to an error of an account number of a transfer destination, a transfer error occurs and then correction or reverse transaction occurs, then the contract company is notified of the fact, at the time, the contract company has to identify a transfer request company which is a transfer request source, and perform an inquiry to the identified request company, however, identification of the request company causes a large clerical work load, since each charge person of the contract company confirms the transfer content, and a subsequent inquiry and response, and correction and reverse transaction are performed by each charge person of the request company or contract company.SOLUTION: When a transfer error occurs in transfer by payment proxy, a request company is identified (expected), an inquiry is performed to the identified (expected) request company, and then correction or reverse transaction processing is executed based on a response from the request company.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a transfer error inquiry destination control system and method using a payment agent.

  At present, there is a payment agency in which a transfer contract company (hereinafter referred to as a “contract company”) that receives a request from an original payer performs a transfer of payment or salary, for example. In this case, if a transfer error occurs due to an error in the account number at the time of transfer at the time of transfer from the transfer contractor that is the transfer requester in the procedure, this will be indicated to the contractor. Be notified. In particular, when the destination financial institution that is the transfer destination financial institution is different from the destination financial institution that is the transfer source financial institution, the account number of the transfer destination cannot be confirmed in advance, and a transfer error may occur. When a transfer error occurs, the contracting company specifies a transfer requesting company (hereinafter referred to as “requesting company”) as a transfer request source, and makes an inquiry to the specified requesting company. Thereafter, in accordance with the response from the requesting company, the contracting company performs correction based on the corrected transfer contents or performs a reorganization (procedure for canceling the transfer and returning the transfer funds).

  However, the identification of the client company is burdensome because each person in charge of the contracting company confirms the transfer details one by one. In addition, subsequent inquiries and replies, corrections, and reorganization procedures are carried out through the hands of each person in charge at the client company and contractor. Further, the requesting company and the contracting company need to reply to the destination financial institution via the destination financial institution within a predetermined response time limit. In such a conventional process, it is often possible to determine the client company in particular mechanically from the transfer contents. Further, it is considered that subsequent processing such as inquiry can be mechanized. Therefore, there is a need for a system and method that can execute a series of processes when a transfer error occurs due to payment agency.

In order to achieve such an object, the present invention is a computer related to a destination financial institution that controls an inquiry destination in the case of a transfer error due to a payment agent, and the computer includes:
A means for receiving a transfer error message from a second computer related to the destination financial institution, wherein the transfer error message is an error notification from the destination financial institution and is associated with transfer data indicating the details of the transfer , Means,
Based on the transfer error message, means for extracting a transfer contractor who is a transfer requester in a procedure;
A means for specifying a transfer request company that is a transfer request source based on the transfer data and transfer request company data, wherein the transfer request company data includes verification data for specifying the transfer request company When,
If the transfer request company can be identified, means for transmitting the transfer error message to a third computer related to the identified transfer request company;
Means for receiving an answer message from the third computer, wherein the answer message indicates that at least one of correction or recombination processing is executed for a transfer error;
Means for transmitting the reply message to the second computer.

Further, the invention described in the preceding paragraph is further
If the transfer request company cannot be specified, means for predicting the transfer request company based on the transfer data and the transfer request company data;
And means for transmitting the transfer error message to a third computer related to the predicted transfer request company when the transfer request company can be predicted.

  Further, in the invention described in the preceding paragraph, the prediction of the transfer requesting company is based on a matching rate of corresponding items of the transfer data and the transfer requesting company data, and the total of the matching rates is the highest. Including a transfer requesting company as the expected transfer requesting company, and the corresponding item includes at least one of a transfer requester name, a payee name, a transfer destination information, a transfer type, and a transfer amount. Features.

  Further, in the invention described in the preceding paragraph, predicting the transfer requesting company assigns a priority to the corresponding item, collates in order of the corresponding item with the highest priority, The matching rate is equal to or higher than a certain level, and the transfer requesting company is set as the expected transfer requesting company.

Furthermore, in the invention described in the preceding three paragraphs, when the transfer requesting company can be predicted, sending the transfer error message to the third computer related to the predicted transfer requesting company,
Receiving a signal from the third computer that the expected transfer requesting company is not in charge of its own;
Transmitting the transfer error message to the third computer related to the transfer requesting company predicted as a next candidate.

Further, the present invention is a method executed by a computer related to a destination financial institution that controls an inquiry destination at the time of a transfer error due to a payment agent, and the method includes:
A step of receiving a transfer error message from a second computer related to the destination financial institution, wherein the transfer error message is an error notification from the destination financial institution and is associated with transfer data indicating the details of the transfer , Steps and
Based on the transfer error message, extracting a transfer contractor that is a procedural transfer requester;
A step of identifying a transfer request company that is a transfer request source based on the transfer data and transfer request company data, wherein the transfer request company data includes verification data for specifying the transfer request company When,
If the transfer request company can be specified, sending the transfer error message to a third computer related to the specified transfer request company;
Receiving a response message from the third computer, wherein the response message indicates that at least one of correction or recombination processing is executed for a transfer error; and
Transmitting the reply message to the second computer.

Furthermore, the present invention provides a computer program that causes a computer associated with a destination financial institution to execute a method for controlling an inquiry destination when a transfer error occurs due to a payment agent, and when the computer program is executed by the computer, the computer program ,
A transfer error message is received from a second computer related to the destination financial institution, and the transfer error message is an error notification from the destination financial institution, and is associated with transfer data indicating the transfer contents,
Based on the transfer error message, the transfer contractor that is the transfer requester in the procedure is extracted,
Based on the transfer data and transfer request company data, the transfer request company that is the transfer request source is specified, and the transfer request company data includes verification data for specifying the transfer request company,
If the transfer request company can be specified, the third computer related to the specified transfer request company is allowed to transmit the transfer error message,
An answer message is received from the third computer, the answer message indicates that at least one of correction or recombination processing is executed for the transfer error;
The reply message is transmitted to the second computer.

  As described above, according to the present invention, when a transfer error occurs at the time of transfer from a contracting company based on the request of the requesting company (when transferring by payment agent), the requesting company is specified or predicted, and specified or predicted. After making an inquiry to the requesting company, correction or recombination processing can be executed based on the answer from the requesting company.

It is a figure which shows the system configuration | structure which concerns on one Embodiment of this invention. It is a flowchart which shows the transfer error process which concerns on one Embodiment of this invention. It is a flowchart which shows the request company prediction process which concerns on one Embodiment of this invention. It is a flowchart which shows the request company prediction process which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the transfer data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the transfer error message | telegram data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the client company data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the contract company contract data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the client company specific result data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the client company prediction result data storage part which concerns on one Embodiment of this invention. It is a figure which shows the data stored in the reply message data storage part which concerns on one Embodiment of this invention.

  An overview of a transfer error inquiry destination control system according to an embodiment of the present invention will be described. FIG. 1 is a diagram showing a system configuration according to an embodiment of the present invention. In FIG. 1, a financial institution server 101 installed in a data center or the like is connected to a destination financial institution server 100, one or a plurality of contracted enterprise terminals 104a to 104n (hereinafter collectively) via a network 102 (for example, the Internet). It is configured to communicate with “contractor terminal 104”) and one or more client company terminals 105a to 105n (hereinafter collectively referred to as “client company terminal 105”). Note that the destination financial institution server 100 and the financial institution server 101 in FIG. 1 are described as a single device for convenience, but can also be configured as a distributed system with a plurality of servers.

  The financial institution server 101 is a server of the destination financial institution, and sends a transfer fund to the destination financial institution server 100 based on a transfer request from the contracted company terminal 104. When the destination financial institution server 100 receives the transfer funds, it executes a transfer process. At this time, when a transfer error occurs, a transfer error message is transmitted to the financial institution server 101.

  In response to the receipt of the transfer error message, the financial institution server 101 identifies the requesting company. If the client company cannot be specified, the financial institution server 101 predicts the client company. The specified or predicted client company is transmitted from the financial institution server 101 to the contracted company terminal 104.

  The person in charge of the contract company confirms the specified or predicted client company via the contract company terminal 104, and if there is no problem, transfers the money to the client company terminal 105 of the specified or predicted client company via the financial institution server 101. An error message is sent.

  The client company person in charge confirms whether or not the transfer error message is for himself / herself through the client company terminal 105. If the message is for himself / herself, he / she creates a reply message and passes through the financial institution server 101 to the contractor company terminal 104. Send to.

  The person in charge of the contract company approves the reply message via the contract company terminal 104 and transmits it to the financial institution server 101. Thereafter, the financial institution server 101 transmits an answer message to the destination financial institution server 100. Based on the transmitted reply message, the destination financial institution server 100 executes correction or recombination processing.

  Next, the configuration of the financial institution server 101 will be described in detail. In FIG. 1, only a necessary functional configuration is shown assuming a single computer system.

  In the financial institution server 101, a RAM 111, an input device 112, an output device 113, a communication control device 114, and a storage device 116 that is a nonvolatile storage medium (ROM, HDD, etc.) are connected to a CPU 110 via a system bus 115. It has a configuration. The storage device 116 includes a program storage area that stores a software program for performing each function of the transfer error inquiry destination control system, and a data storage area that stores data handled by the software program. Each means in the program storage area described below is actually an independent software program, its routines, components, and the like, which are called from the storage device 116 by the CPU 110 and expanded in the work area of the RAM 111, with reference to the database and the like as appropriate. Each function is performed by being executed sequentially.

  Next, if only software programs stored in the program storage area in the storage device 116 are listed, data transmission / reception means 120, contract company extraction means 121, request company identification means 122, request company prediction Means 123 and answer message creating means 124 are provided. These means are executed by the CPU 110.

  The data transmission / reception means 120 transmits / receives data to / from another computer such as the destination financial institution server 100.

  The contract company extracting means 121 extracts the contract company that is the transfer requester from the transfer error message.

  The requesting company specifying unit 122 specifies the requesting company based on the transfer error message and the transfer data, and stores it in the requesting company specifying result data storage unit 134.

  The requesting company predicting means 123 predicts the requesting company based on the transfer error message and the transfer data, and stores it in the requesting company expected result data storage unit 135.

  The reply message creating means 124 creates a reply message according to a request from the client company staff via the client company terminal 105 and stores it in the reply message data storage unit 136. Further, the reply message is approved in accordance with a request from the contract company person in charge through the contract company terminal 104.

  Next, the data storage area in the storage device 116 enumerates only those related to the present invention. The transfer data storage unit 130, the transfer error message data storage unit 131, the requesting company data storage unit 132, the contracted company contract data storage unit 133, a request company specifying result data storage unit 134, a request company expected result data storage unit 135, and an answer message data storage unit 136 are provided. Both are fixed storage areas secured in the storage device 116.

  The transfer data storage unit 130 stores data relating to the transfer contents performed by the contracting company. FIG. 5 is a diagram showing data stored in the transfer data storage unit 130 according to the embodiment of the present invention. The transfer data in FIG. 5 includes an “inquiry number” for uniquely identifying this data, a “transfer requester name” indicating the name of the transfer requester, a financial institution and account information of the transfer source, and a “recipient name” indicating the name of the payee. ", The financial institution of the transfer destination and account information, the" transfer type "indicating the type of transfer, and the" transfer amount "indicating the amount of funds to be transferred. Since the “transfer requester name” and the financial institution and account information of the transfer source are payment agents, data relating to the contracting company is set. The “transfer account” and the “transfer account” are so-called account types, and numerical values indicating the account type (for example, 1: normal deposit, 2: current account,...) Can be set. In the “transfer type”, a value indicating the type of transfer (for example, 1: general transfer, 2: salary transfer) can be set.

  The transfer error message data storage unit 131 stores data related to an error message notified from the bank at the time of transfer error. FIG. 6 is a diagram showing data stored in the transfer error message data storage unit 131 according to the embodiment of the present invention. The transfer error message in FIG. 6 includes a “management serial number” that uniquely identifies this data, a “date of transmission” indicating the date of transmission of this message, outgoing financial institution (destination bank) information, and a receiving financial institution (destination bank). Information, “transfer client name” indicating the name of the transfer requester (contractor), “recipient name” indicating the name of the payee, “transfer amount” indicating the amount of the transfer funds, and corresponding transfer data (FIG. 5) The “reference number” that uniquely identifies the URL is stored. As shown in FIG. 6, since the processing is performed in the same format as the confirmation message at the time of normal transfer, it is possible to set a comment so that the reason for the transfer error can be found in the “recipient name”. In addition, this data and transfer data (FIG. 5) can be linked using the “reference number”.

  The requested company data storage unit 132 stores collation data for specifying or predicting the requested company. FIG. 7 is a diagram showing data stored in the client company data storage unit 132 according to an embodiment of the present invention. The request company data in FIG. 7 indicates the “transfer request department” indicating the department name of the request company, the “transfer requester” indicating the name of the person in charge of the request company, and the name of the contracting company that is the transfer requester in the procedure. “Transfer requester name”, “recipient name” indicating the name of the payee, financial institution and account information of the transfer destination, “transfer type” indicating the type of transfer, and “transfer amount” indicating the amount of the transfer funds are stored. This data is data used to identify or predict the requesting company by collating with the transfer data (FIG. 5). For this reason, a contract company person in charge can customize it through a maintenance screen or the like.

  The contract company contract data storage unit 133 stores data relating to the contract account of the contract company. FIG. 8 is a diagram showing data stored in the contract company contract data storage unit 133 according to an embodiment of the present invention. The contract company contract data in FIG. 8 stores “contract name” indicating the name of the contractor, contracted financial institution and account information, and “deposit amount” indicating the amount deposited. For example, a numerical value such as “1” (ordinary deposit) or “2” (current account) can be set in the “account type”.

  The requested company specifying result data storage unit 134 stores data relating to the result when the requested company is specified. FIG. 9 is a diagram showing data stored in the client company identification result data storage unit 134 according to an embodiment of the present invention. The request company specifying result data in FIG. 9 is the same as the request company data (FIG. 7).

  The client company prediction result data storage unit 135 stores data relating to a result when a client company is predicted. FIG. 10 is a diagram showing data stored in the client company expected result data storage unit 135 according to an embodiment of the present invention. The requested company forecast result data in FIG. 10 is the same as the requested company data (FIG. 7).

  The reply message data storage unit 136 stores data related to the contents of correspondence to the transfer error. FIG. 11 is a diagram showing data stored in the reply message data storage unit 136 according to an embodiment of the present invention. The response message in FIG. 11 includes a “management serial number” that uniquely identifies this data, a “processing type” that indicates the type of correspondence, a “transfer requester name” that indicates the name of the transfer requester (contractor), “Recipient name” indicating the name, financial institution and account information of the transfer destination, “transfer type” indicating the type of transfer, “transfer amount” indicating the amount of the transfer funds, and the corresponding transfer data (FIG. 5) are unique. Stores “reference number” for identification. In the “processing type”, a numerical value (for example, 1: correction, 2: recombination) indicating the type of response content for a transfer error can be set.

  Next, a transfer error process according to an embodiment of the present invention will be described along the flow with reference to the flowchart of FIG. 2 and the data of FIGS. This process indicates that a transfer error occurs due to an account number error or the like during a transfer process based on the payment data based on the transfer data (FIG. 5), and a transfer error message (FIG. 6) is transmitted from the destination financial institution server 100. It is assumed. The execution subject of this process is the financial institution server 101.

  FIG. 2 is a flowchart showing a transfer error process according to an embodiment of the present invention. First, in step 201, the data transmitting / receiving unit 120 receives a transfer error message (FIG. 6) from the destination financial institution server 100 and stores it in the transfer error message data storage unit 131.

  Next, the contract company extracting unit 121 extracts a contract company from the received transfer error message (step 202). Specifically, the contract company contract data storage unit 133 is searched using the “transfer client name” of the transfer error message (FIG. 6) as a search key, and the corresponding contract company contract data (FIG. 8) is extracted. If there is no corresponding contract company contract data, the data is incorrect or the data is related to a contract company outside the contract, so the manager is notified (exception processing / not shown). The extraction of the contracted company in step 202 can be executed after the requesting company can be identified or predicted in step 203 and subsequent steps.

  Next, the requesting company specifying unit 122 specifies the requesting company by collating the transfer data (FIG. 5) and the requesting company data (FIG. 7), and stores it in the requesting company specifying result data storage unit 134 (step 203). For the transfer data, the transfer data storage unit 130 is searched using the “reference number” of the transfer error message as a search key. It is possible to identify the requesting company by the matching rate of each data item by matching the corresponding data contents such as “transfer requester name”, “recipient name”, transferee information and transfer amount of the transfer data and requesting company data ( ("Transfer request department" and "Transfer requester" in the requesting company data can be specified). Note that the agreement rate for determining that each data content matches can be customized by a contractor in charge via a maintenance screen (for example, it may not be an exact match and the data match rate is above a certain standard). Etc.).

  If the requesting company can be specified in step 203, the process proceeds to the Yes route in step 204, and the data transmitting / receiving means 120 extracts the requesting company specifying result data (FIG. 9) together with the transfer error message (FIG. 6) in step 202. It is transmitted to the contract company terminal 104 associated with the contract company (step 205). This is because the person in charge of the contracting company once confirms whether or not the specified client company is correct. If the confirmation is not performed, the client company terminal 105 associated with the client company specified is used. It can also be sent directly.

  On the other hand, if the requesting company cannot be specified in step 203, the process proceeds to the No route of step 204, and the requesting company predicting means 123 predicts the requesting company by checking the transfer data (FIG. 5) and the requesting company data (FIG. 7). Then, it is stored in the client company expected result data storage unit 135 (step 206). The requested company prediction process in step 206 will be described later with reference to FIGS. The predicted client company prediction result data (FIG. 10) is transmitted by the data transmission / reception means 120 to the contract company terminal 104 associated with the contract company extracted in step 202 together with the transfer error message (FIG. 6) ( Step 207).

  When the requested company identification result data (FIG. 9) or the requested company expected result data (FIG. 10) is transmitted to the contracted company terminal 104 (step 205 or 207), the contracted company person in charge is identified via the contracted company terminal 104. Alternatively, the expected client company is confirmed (step 208). If the specified or expected client company is correct (if a signal to that effect is received from the contracting company terminal 104), the process proceeds to the Yes route of step 208, and the data transmitting / receiving means 120 associates with the specified or expected client company. The transfer error message (FIG. 6) is transmitted to the requested company terminal 105 (step 209). On the other hand, if the specified or predicted client company is not correct, the process proceeds to the No route of step 208, and the client company is corrected through the contractor company terminal 104 by the contractor company person in charge (step 210) and newly A transfer error message is transmitted to the client company terminal 105 associated with the specified client company (step 209).

  When the transfer error message (FIG. 6) is transmitted to the request company terminal 105 (step 209), the request company person in charge confirms whether the transfer error message is for himself / herself via the request company terminal 105 (step 209). Step 211). If the transfer error message is for the person in charge (if a signal to that effect is received from the requesting company terminal 105), the process proceeds to the Yes route in step 211, and the requesting company person in charge receives the response message (via the requesting company terminal 105). 11) is generated and transmitted to the financial institution server 101. The response message is for instructing the destination financial institution server 100 to correct or correct the data after correcting the incorrect data (cancel the transfer and return the transfer funds). The response message created and transmitted is received by the data transmission / reception means 120 and stored in the response message data storage unit 136 (step 212).

  On the other hand, if the transfer error message is not for itself (if a signal to that effect is received from the requesting company terminal 105), the process proceeds to the No route of step 211, and the data transmitting / receiving means 120 associates with the requesting company that is the next candidate. A transfer error message is transmitted to the requested company terminal 105 (step 213). Here, the next candidate is a client company that is predicted or newly predicted in the client company prediction process in step 206 and is likely to be the next client. If there is no next candidate, for example, this process can be terminated after notifying the corresponding contracting company terminal 104 (not shown).

  When the response message (FIG. 11) is received from the requesting company terminal 105, the data transmission / reception means 120 transmits the response message to the corresponding contract company terminal 104 (step 214). The contracting company person in charge confirms the reply message via the contracting company terminal 104 and approves it. If there is no problem (when a signal to that effect is received from the contracting company terminal 104), the data transmitting / receiving means 120 A reply message is transmitted to the financial institution server 100 (step 215). If there is any reason why the reply message cannot be approved, the corresponding requesting company terminal 105 can be requested to make a correction (not shown). After step 215, the process ends.

  The target financial institution server 100 receives the response message (FIG. 11) transmitted in step 215, and then performs correction or recombination processing according to the response message (for example, the value of “processing type” of the response message). Run. In the case of restructuring, the funds transferred are transferred from the target financial institution to the destination financial institution, and the “reference number” of the transfer data (Figure 5) in error is attached to the account of the contracting company. Deposited. Thereafter, the financial institution server 101 identifies the requesting company using the reference number as a key, and transfers funds to the account of the requesting company.

  Next, referring to the flowcharts of FIGS. 3 and 4 and the data of FIGS. 5 and 7, the client company prediction process according to the embodiment of the present invention will be described along the flow. This process is the process shown in step 206 of FIG. 3 and 4 are both flowcharts showing client company prediction processing according to an embodiment of the present invention, which are different embodiments. Therefore, in step 206, one of the processes shown in FIG. 3 or 4 is executed to predict the client company. In FIGS. 3 and 4, the client company predicting means 123 collates the transfer data (FIG. 5) showing the transfer contents with the client company data (FIG. 7) set in advance by the contracting company person in charge. The client company is predicted based on the agreement rate.

  The client company prediction process in FIG. 3 will be described. In step 301, the client company predicting means 123 calculates a matching rate for each item in the transfer contents. Specifically, “transfer client name”, “recipient name”, “transfer bank code”, “transfer branch code”, “transfer account”, “transfer account number” in the transfer data (FIG. 5) Each of the “transfer type” and “transfer amount” is checked against the items of the same name in the requested company data (FIG. 7) one by one, and the matching rate of each item is calculated.

  For the calculation of the coincidence rate, a scoring system as shown in Table 1 below can be used.

  For example, 20 points are assigned when the “transfer client name” is a complete match, and 10 points are assigned when the match is intermediate. The transfer destination financial institution and account information in the item names in Table 1 are “transfer destination financial institution code”, “transfer destination branch code”, “transfer destination” in the transfer data (FIG. 5) and the requesting company data (FIG. 7). All data items of “Course” and “Bank account number” are pointed out, and 20 points are assigned when all these data are completely matched. This method can also be used for data that is established when all of a plurality of data items match, such as account information. In Table 1, items that do not have a score for intermediate matches ("-" for transfer type, etc.) are items that are not allowed except for perfect matches. Further, the intermediate match of the “transfer amount” is not an exact match, but can be determined to be an intermediate match when the transfer amount falls within the set amount range. Note that each scoring and data item to be collated can be customized via a maintenance screen or the like by a contract company representative. Thereby, a weight can be provided for each data item.

  In step 301, one record to be collated in the transfer data (FIG. 5) and each record of the requested company data (FIG. 7) are collated, a matching rate is calculated, and requested company data corresponding to the transferred data is predicted. The requesting company predicting means 123 sums up the scores of each data item for each requesting company data, and obtains the highest-scoring (highest matching rate) requesting company (“transfer request department” and “transfer request” in the requesting company data). "" Is determined as the expected client (step 302). At this time, the client companies after the next point can be determined as candidates for the client company. As a result, the transfer company can send the transfer error message in order from the client company with the highest score as the client company candidate of the next candidate in step 213 of FIG. In addition, it is also possible to narrow down the targets to which the transfer error message is to be transmitted to client companies with a score of a certain number or more, client companies up to the top five, and the like. In either case, a contractor in charge can be customized via a maintenance screen. After step 302, the process ends.

  Next, the client company prediction process in FIG. 4 will be described. This process is an application of the prediction process in FIG. 3, and gives priority to each data item. For example, even if all of the data is exactly the same, send a transfer error message to a specific person in charge (for example, the beneficiary) instead of the transfer requester for salary transfer, etc., and inquire about the correct account number etc. It is necessary to do. In FIG. 4, “transfer amount” has the highest priority, followed by “transfer requester name”, “recipient name”, and so on. However, this is an embodiment and the order of priority can be changed.

  In step 401, the requesting company prediction unit 123 determines whether the transfer requester name matches. Specifically, “transfer requester name” in the transfer data (FIG. 5) and the requesting company data (FIG. 7) is collated. In addition, in the data collation in FIG. 4, it can be determined that they match if they match completely, and the matching rate is equal to or higher than a certain standard (for example, in the case of a transfer amount, the transfer amount is within a certain amount range) It can also be determined that it matches the If it is determined that the transfer requester name matches, the process proceeds to the Yes route, and the requesting company predicting unit 123 determines that the corresponding requesting company is the expected requesting company (step 406). In this case, as can be understood from FIG. 4, the matching determination of other data items (steps 402 to 404) is not executed.

  On the other hand, when it is determined that the transfer requester name does not match, the process proceeds to the No route of Step 401, and the requesting company predicting means 123 determines whether the transfer amount matches (Step 402). If it is determined that the transfer amounts match, the process proceeds to the Yes route, and the requesting company prediction unit 123 determines that the corresponding requesting company is the expected requesting company (step 406).

  If it is determined in step 402 that the transfer amount does not match, the process proceeds to the No route, and the requesting company predicting means 123 determines whether the recipient name matches (step 403). If it is determined that the recipient names match, the process proceeds to the Yes route, and the requesting company predicting means 123 determines that the corresponding requesting company is the expected requesting company (step 406).

  If it is determined in step 403 that the payee name does not match, the process proceeds to the No route, and the client company predicting means 123 determines whether the transfer destination financial institution and the account information match (step 404). Transferee financial institution and account information refers to “transfer financial institution code”, “transfer destination branch code”, “transfer destination account”, “transfer destination” in the transfer data (Fig. 5) and client company data (Fig. 7). When all the data items of “account number” match and all these data match, it can be determined that the transfer destination financial institution and the account information match. If it is determined that the transfer destination financial institution and the account information match, the process proceeds to the Yes route, and the request company predicting means 123 determines that the corresponding request company is the expected request company (step 406).

  If it is determined in step 404 that the transfer destination financial institution and the account information do not match, the process proceeds to No route, and the requesting company predicting means 123 determines that the requesting company with the highest score is the expected requesting company (step 405). Step 405 is the same as step 302 in FIG. After step 405 or step 406, the process ends.

  As described above, according to the present invention, when a transfer error occurs at the time of transfer from the contracting company based on the request of the requesting company (when transferring by the payment agent), the requesting company is specified or predicted, and the specified or predicted requesting company is specified. After making an inquiry, correction or recombination processing can be executed based on the answer from the client company.

Claims (7)

A computer related to a destination financial institution that controls an inquiry in the event of a transfer error due to a payment agent,
A means for receiving a transfer error message from a second computer related to the destination financial institution, wherein the transfer error message is an error notification from the destination financial institution and is associated with transfer data indicating the details of the transfer , Means,
Based on the transfer error message, means for extracting a transfer contractor who is a transfer requester in a procedure;
A means for specifying a transfer request company that is a transfer request source based on the transfer data and transfer request company data, wherein the transfer request company data includes verification data for specifying the transfer request company When,
If the transfer request company can be identified, means for transmitting the transfer error message to a third computer related to the identified transfer request company;
Means for receiving an answer message from the third computer, wherein the answer message indicates that at least one of correction or recombination processing is executed for a transfer error;
Means for transmitting the reply message to the second computer. If the transfer request company cannot be specified, means for predicting the transfer request company based on the transfer data and the transfer request company data;
The computer according to claim 1, further comprising means for transmitting the transfer error message to a third computer related to the predicted transfer request company when the transfer request company can be predicted.   Predicting the transfer requesting company means that the transfer requesting company having the highest total of the matching rate is the predicted transfer request based on the matching rate of corresponding items of the transfer data and the transfer requesting company data. 3. The computer according to claim 2, wherein the corresponding item includes at least one of a transfer requester name, a payee name, a transfer destination information, a transfer type, and a transfer amount. .   Predicting the transfer requesting company assigns a priority to the corresponding item, collates in order of the corresponding item having the higher priority, and the transfer rate of the corresponding item is greater than or equal to a certain level. The computer according to claim 3, further comprising: setting a requesting company as the expected transfer requesting company. If the transfer requesting company can be predicted, sending the transfer error message to the third computer related to the predicted transfer requesting company,
Receiving a signal from the third computer that the expected transfer requesting company is not in charge of its own;
The computer according to claim 2, further comprising: transmitting the transfer error message to the third computer related to the transfer requesting company that is predicted as a next candidate. A method executed by a computer related to a destination financial institution that controls an inquiry destination in the event of a transfer error due to a payment agent, the method comprising:
A step of receiving a transfer error message from a second computer related to the destination financial institution, wherein the transfer error message is an error notification from the destination financial institution and is associated with transfer data indicating the details of the transfer , Steps and
Based on the transfer error message, extracting a transfer contractor that is a procedural transfer requester;
A step of identifying a transfer request company that is a transfer request source based on the transfer data and transfer request company data, wherein the transfer request company data includes verification data for specifying the transfer request company When,
If the transfer request company can be specified, sending the transfer error message to a third computer related to the specified transfer request company;
Receiving a response message from the third computer, wherein the response message indicates that at least one of correction or recombination processing is executed for a transfer error; and
Transmitting the answer message to the second computer. A computer program for causing a computer related to a destination financial institution to execute a method for controlling an inquiry destination when a transfer error is caused by a payment agent, and when the computer program is executed by the computer,
A transfer error message is received from a second computer related to the destination financial institution, and the transfer error message is an error notification from the destination financial institution, and is associated with transfer data indicating the transfer contents,
Based on the transfer error message, the transfer contractor that is the transfer requester in the procedure is extracted,
Based on the transfer data and transfer request company data, the transfer request company that is the transfer request source is specified, and the transfer request company data includes verification data for specifying the transfer request company,
If the transfer request company can be specified, the third computer related to the specified transfer request company is allowed to transmit the transfer error message,
An answer message is received from the third computer, the answer message indicates that at least one of correction or recombination processing is executed for the transfer error;
A computer program for causing the second computer to transmit the answer message.

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