JP2018200586A - Information processing apparatus and program - Google Patents

Abstract

To provide a technique capable of more efficiently performing post-processing when a targeted error occurs.SOLUTION: An information processing device comprises: a deposit prohibition setting unit for accepting a first transfer requester's name and first transfer recipient's account information to set a prohibition setting of depositing into a first transfer recipient's account for a host device; an extracting unit for extracting a second transfer requester's name and second transfer recipient's account information from a deposit incompetent telegram of a transfer transaction received from the host device; a deposit incompetent incidence acquiring unit for acquiring, from the host device, the deposit incompetent incidence corresponding to the second transfer recipient's account information; and a funds return control unit for controlling transmission of an exchange return telegram to the host device for returning funds to the first transfer requester when it is determined that there is a deposit prohibition setting in the second transfer recipient's account based on the deposit incompetence incidence and it is also determined that the first transfer requester's name matches the second transfer requester's name.SELECTED DRAWING: Figure 12

Description

  The present invention relates to an information processing apparatus and a program.

  When a transfer generated at a store with a bank is made to an account at another store, the former store may correspond to a destination store and the latter store may correspond to a destination store. Here, the post-processing performed on the destination side when the transfer data becomes non-payable on the destination side is the destination error process. Conversely, post-processing performed on the destination side when the transfer data becomes non-payable on the destination side is a destination error process.

  Such destination error processing and destination error processing are generally performed at each branch office of a financial institution. Also, a technique relating to a transfer management system is disclosed in which a destination error process and a destination error process are performed in the same centralized center in order to improve processing efficiency and accuracy.

  Note that Patent Documents 1 to 3 listed below are disclosed. For example, Patent Document 1 discloses a technique that automatically deposits (returns) a client's account when the client's transfer becomes impossible. Patent Document 2 discloses a technique for rejecting a deposit and returning it to a client when a predetermined condition is satisfied when depositing into a recipient's account. Patent Document 3 discloses a function for realizing comprehensive transfer.

JP 2003-271824 A JP 2006-65715 A JP 2013-228935 A

  However, in cases where the transfer execution such as general transfer is the future date, the transfer is made for some reason (for example, at the request of the transfer client) between the transfer operation and the actual transfer execution. May be stopped. In this case, a payment prohibition request message is received from the destination store to the banking store, and the store prohibits a deposit prohibition setting for the payee account from the store terminal to the host. Thereafter, even if an attempt is made to execute the transfer process, it becomes impossible to deposit the payee's account, so that a destination error occurs and post-processing is performed in the transfer management system.

  However, in such a method, since the deposit prohibition setting is performed on the host at the branch, a load on the branch is generated. In addition, this method is inefficient because post-processing in the transfer management system is always performed through an operator. Therefore, it is desirable to provide a technology that can reduce the load on the branch office for setting the payment prohibition for the payee account and can more efficiently perform the post-processing when the destination error occurs.

  In order to solve the above problem, according to an aspect of the present invention, the first transfer requester's name and the first transfer payee's account information are received, and the first transfer receipt is received from the host device. A deposit prohibition setting unit for setting a deposit prohibition to a person's account and a second transfer requester's name and account information of a second transfer recipient from a non-payable message of a transfer transaction received from the host device. And a second non-payable reason acquisition unit for acquiring a non-payable reason corresponding to the account information of the second payee from the host device, and the second payee based on the non-payable reason. The first transfer requester when it is determined that there is a deposit prohibition setting in the account and when the name of the first transfer requester and the name of the second transfer requester match. Of return return message to return funds to Serial includes a cash return control unit for controlling transmission to the host device, the information processing apparatus is provided.

  When the information processing apparatus determines that there is no deposit prohibition setting in the account of the second transfer payee based on the reason for non-payment, or the name of the first transfer requester and the second transfer request When it is determined that the person's name does not match, a destination non-payment processing unit may be provided that performs a predetermined process when the non-payment of incoming payment occurs.

  The predetermined process may include a process of notifying at least an operator terminal of the inability to pay for the destination.

  According to another aspect of the present invention, the computer receives the name of the first transfer requester and the account information of the first transfer payee, and the host device receives the first transfer payee's account information. A deposit prohibition setting unit for setting a deposit prohibition to the account, and an extraction for extracting the name of the second transfer requester and the account information of the second transfer recipient from the non-payable message of the transfer transaction received from the host device. A non-payable reason acquisition unit that obtains the non-payable reason corresponding to the account information of the second payee from the host device, and the account of the second payee based on the non-payable reason If it is determined that there is a deposit prohibition setting, and if it is determined that the name of the first transfer requester matches the name of the second transfer requester, funds are transferred to the first transfer requester. Of the return return message for returning Program for functioning as an information processing apparatus including a cash return control unit for controlling the transmission to strike device, is provided.

  As described above, according to the present invention, it is possible to reduce the load on the branch office for setting the prohibition of depositing on the payee account, and more efficiently perform the post-processing when the destination error occurs. .

It is a figure for demonstrating the process outline | summary in a general transfer management system. It is a figure for demonstrating the detail of the intended error process in a general transfer management system. It is a figure for demonstrating the point which should exist in the general to-be-directed error process and should be improved. It is explanatory drawing which showed the structural example of the information processing system which concerns on embodiment of this invention. It is a block diagram which shows the function structural example of the operator terminal which concerns on the same embodiment. It is a block diagram which shows the function structural example of the transfer management server which concerns on the same embodiment. It is a figure for demonstrating the function detail of the 1st example of the information processing system which concerns on the embodiment. It is a figure which shows the structural example of a payment prohibition instruction | indication. It is a figure which shows the structural example of the information regarding a payee's account. It is a figure which shows the structural example of a non-payable message. It is a figure which shows the structural example of an inquiry result message | telegram. It is a figure for demonstrating the function detail of the 2nd example of the information processing system which concerns on the embodiment. It is a figure which shows the hardware constitutions of the information processing apparatus which concerns on the embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In the present specification and drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

  In the present specification and drawings, a plurality of constituent elements having substantially the same or similar functional configuration are distinguished by attaching different numerals to the same reference numerals. Further, similar constituent elements of different embodiments are distinguished by attaching different alphabets after the same reference numerals. However, when there is no need to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given.

(0. Background)
First, the background of the embodiment of the present invention will be described. When a transfer generated at a store with a bank is made to an account at another store, the former store may correspond to a destination store and the latter store may correspond to a destination store. Here, the post-processing performed on the destination side when the transfer data becomes non-payable on the destination side is the destination error process. Conversely, post-processing performed on the destination side when the transfer data becomes non-payable on the destination side is a destination error process.

  Such destination error processing and destination error processing are generally performed at each branch office of a financial institution. Also, a technique relating to a transfer management system is disclosed in which a destination error process and a destination error process are performed in the same centralized center in order to improve processing efficiency and accuracy. First, an outline of processing in a general transfer management system will be described.

  FIG. 1 is a diagram for explaining an outline of processing in a general transfer management system. Here, an example of a destination error process will be described in the outline of the process in a general transfer management system.

  As shown in FIG. 1, for example, transfer data input from various channels is transmitted as a destination message from the transfer source host 98 to the own host 96 and received by the own host 96 (S119). Here, if the destination message cannot be deposited in the payee account of the host host 96, a non-payable message is transmitted from the host host 96 to the centralized center 94 (S120). In the centralized center 94, when a non-payable message is received by the business AP server 95, a destination error process based on the non-payable message is performed.

  Possible cases where the destination message cannot be credited include cases where the recipient account has been canceled, the recipient name in the destination message is incorrect, or the recipient account has been set to prohibit deposits. The As an example of the destination error processing, processing judgment by an operator of the centralized center 94 can be cited (S121).

  For example, if the operator of the centralized center 94 determines that the destination message can be corrected, the destination message is corrected based on the operation by the operator, and the corrected destination message is transmitted to the bank host 96 as a transfer deposit message. (S122). The self-host 96 receives the deposit / payment message and performs a deposit process based on the deposit / payment message (S123).

  For example, if the operator of the centralized center 94 determines that the destination message is uncorrectable, a replacement return message is transmitted to the local host 96 based on the operation by the operator (S125). The local host 96 receives the replacement return message, and transmits the replacement return message to the transfer source host 98 (S125). In the transfer source host 98, the replacement return message is received, and a return process based on the replacement return message is performed.

  For example, when the operator of the centralized center 94 determines that the inquiry to the sales office 92 is necessary, a notification regarding the contents of the non-payable message is made to the sales office 92 based on the operation by the operator (S126). ).

  In the above, the process outline | summary in a general transfer management system was demonstrated. Next, processing details in a general transfer management system will be described. Here, details of the destination error processing will be described in the processing outline in a general transfer management system. FIG. 2 is a diagram for explaining details of a destination error process in a general transfer management system.

  First, when there is transmission of transfer data from the host 99-1 on the destination side 90-1 (S310) and payment becomes impossible in the payee account of the host 99-2 on the destination side 90-2, the destination side An impossible message is transmitted from the host 99-2 of 90-2. Then, the impossible message is received by the business AP server 95-2 of the concentration center 94-2 on the destination side 90-2 (S321).

  When the payee account is confirmed based on the impossible message by the operator (S322), an inquiry message is automatically created based on the impossible message by the terminal (S323). When the inquiry message is approved by the operator's supervisor, the inquiry message is transmitted to the destination 90-1 based on the operation by the supervisor (S324).

  When a reply to the inquiry message is received from the partner (destination side 90-1) in the business AP server 95-2 of the centralized center 94-2 on the destination side 90-2 (S341), the operator's action is based on the answer result. The supervisor determines whether or not payment is possible (S342). If the boss determines that the deposit is possible, the deposit process is executed based on the operation by the boss. If the boss determines that the deposit is impossible, the return is performed based on the operation by the boss. Processing is performed (S343).

  The processing details in the general transfer management system have been described above. Here, there is a point to be improved in the destination error processing in a general transfer management system. Below, the point which should be improved which exists in general directed error processing is demonstrated.

  FIG. 3 is a diagram for explaining points to be improved that exist in general target error processing. In cases where the transfer execution such as general transfer is the future date, the transfer is stopped for some reason (for example, at the request of the transfer client) between the transfer operation and the actual transfer execution. There is a case.

  In this case, as shown in FIG. 3, the destination store 92-1 receives a payment prohibition request message from the destination store 92-1, and the host 99-of the destination side 90-2 from the store terminal at the store 92. 2) Set the prohibition of payment to the payee account. As a result, the deposit prohibition setting for the payee account is registered in the host 99-2 (S411).

  Thereafter, even if an attempt is made to execute the transfer process, it becomes impossible to deposit the payee's account, so that a destination error occurs and post-processing is performed in the transfer management system. Specifically, even if the transfer data is transmitted from the destination side 90-1 to the host 99-2 (S421), since the deposit prohibition setting is made in the payee account, it becomes impossible to pay the payee account, and the host In 99-2, data (a non-payable message) handled by the centralized center 94-2 is transmitted to the centralized center 94-2 (S422).

  In the centralized center 94-2, data handled by the centralized center 94-2 is received as a received telegram (S423), and the received telegram is read by the entry person P1 (S430). When the entry person P1 confirms the contents (contents indicating that the deposit is impossible) (S431), the entry person P1 makes an account information inquiry to the host 99-2 (S432, S441). Specifically, the entry person P1 acquires the name of the payee account corresponding to the subject and the account number acquired from the received message and the reason for non-payment from the host 99-2 via the terminal.

  When the entrant P1 confirms the reason for the non-payment reason “payment prohibition set” and selects “return” as the process selection (S433), the fund return is registered as approval waiting data in the centralized center 94-2, and the centralized center 94− The progress is updated at 2 (S451). When the approval waiting data is read by the approver P2 (S461), the content of the money return is confirmed by the approver P2 (S462). If the content is OK, the approval is executed (S463).

  Thereafter, the progress is updated in the centralized center 94-2 (S471), the replacement return message is transmitted from the centralized center 94-2 to the host 99-2, and the replacement return is executed in the host 99-2 (S472). Funds are returned on the destination side 90-1 (S473).

  However, in this method, since the deposit prohibition setting is performed on the host at the branch 92, a load on the branch 92 is generated. In addition, this method is inefficient because post-processing in the transfer management system is always performed through an operator. In view of this, the present specification mainly describes a technique that can reduce the load applied to the sales office 92 for setting the prohibition of payment to the payee's account, and can more efficiently perform post-processing when a destination error occurs. Explained.

  The background of the embodiment of the present invention has been described above.

(1. Details of the embodiment)
First, the detail of embodiment of this invention is demonstrated.

(1-1. Configuration of Information Processing System)
A configuration example of the information processing system 1 according to the embodiment of the present invention will be described with reference to FIG. FIG. 4 is an explanatory diagram showing a configuration example of the information processing system 1 according to the embodiment of the present invention. As shown in FIG. 4, the information processing system 1 includes a sales office 2, a centralized center 4, and an own host 40. The branch office 2 and the centralized center 4 are connected via a network 44a, and the centralized center 4 and the host host 40 are connected via a network 44b.

  The own host 40 is connected to the other host 42 via the network 44c. The store 2 includes a store terminal 30 and a printer 32. The centralized center 4 includes an operator terminal 10 and a transfer management server (information processing apparatus) 20.

  The configuration example of the information processing system 1 according to the embodiment of the present invention has been described above.

(1-2. Functional configuration of operator terminal)
Subsequently, a functional configuration example of the operator terminal 10 according to the embodiment of the present invention will be described. FIG. 5 is a block diagram illustrating a functional configuration example of the operator terminal 10 according to the embodiment of the present invention. As shown in FIG. 5, the operator terminal 10 according to the embodiment of the present invention includes a control unit 110, a communication unit 130, a storage unit 140, an operation unit 150, and a display unit 160.

  The control unit 110 has a function of controlling the entire operation of the operator terminal 10 and may be configured by dedicated hardware, or a CPU built in the operator terminal 10 expands a program stored in the ROM into the RAM. It may be realized by executing as follows. In addition to providing such a program, a storage medium storing such a program may also be provided.

  The communication unit 130 is a communication interface for transmitting and receiving various types of information to and from the transfer management server 20, the branch office terminal 30, and the own host 40. For example, the communication unit 130 receives a non-payable message from the transfer management server 20. Further, for example, the communication unit 130 can transmit a replacement return message to the own host 40.

  The storage unit 140 can store a program and data for operating the control unit 110. In addition, the storage unit 140 can temporarily store various data necessary for the operation of the control unit 110.

  The operation unit 150 receives an operation input from the operator. In addition, the operation unit 150 can provide the control unit 110 with an operation received from the operator. In this specification, it is assumed that the operation unit 150 is mainly a keyword and a mouse. However, the operation unit 150 may be an input device (for example, a touch panel) other than the keyword and the mouse.

  The display unit 160 has a function of performing display according to control by the control unit 110. For example, the display unit 160 can display the account information of the recipient according to the control by the control unit 110. Here, the form of the display unit 160 is not particularly limited. For example, the display unit 160 may be a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp.

  The functional configuration example of the operator terminal 10 according to the embodiment of the present invention has been described above.

(1-3. Functional configuration of transfer management server)
Subsequently, a functional configuration example of the transfer management server 20 according to the embodiment of the present invention will be described. FIG. 6 is a block diagram illustrating a functional configuration example of the transfer management server 20 according to the embodiment of the present invention. As illustrated in FIG. 6, the transfer management server 20 according to the embodiment of the present invention includes a control unit 210, a communication unit 230, and a storage unit 240.

  The control unit 210 has a function of controlling the entire operation of the transfer management server 20 and may be configured by dedicated hardware, or the CPU built in the transfer management server 20 stores the program stored in the ROM in the RAM. It may be realized by expanding and executing. In addition to providing such a program, a storage medium storing such a program may also be provided. The control unit 210 includes a deposit prohibition setting unit 211, an extraction unit 212, a non-payment reason acquisition unit 213, a fund return control unit 214, and a destination non-payment processing unit 215.

  The communication unit 230 is a communication interface for transmitting and receiving various types of information to and from the operator terminal 10, the branch office terminal 30, and the own host 40. For example, the communication unit 230 transmits a non-payable message received from the local host 40 to the operator terminal 10. Further, for example, the communication unit 230 may transmit the replacement return message received from the operator terminal 10 to the local host 40.

  The storage unit 240 can store a program and data for operating the control unit 210. In addition, the storage unit 240 can temporarily store various data necessary for the operation of the control unit 210.

  The function configuration example of the transfer management server 20 according to the embodiment of the present invention has been described above.

(1-4. Details of functions of information processing system)
Subsequently, details of functions of the information processing system 1 according to the embodiment of the present invention will be described. First, functional details of a first example of the information processing system 1 according to the embodiment of the present invention will be described. FIG. 7 is a diagram for explaining the functional details of the first example of the information processing system 1 according to the embodiment of the present invention.

  First, a transfer operation has already been performed on the account of the transfer requester (hereinafter simply referred to as “requester”) C1 to the transfer payee (hereinafter also referred to simply as “recipient”). It is assumed that it is not. Here, it is assumed that the client C1 wishes to stop the transfer for some reason. At this time, the client C1 makes a telephone contact with the destination store 52-1 for a request to stop the payment to the recipient's account before the destination message is transmitted (S511).

  When the destination store 52-1 makes a telephone contact for a payment stop request to the centralized center 4 on the destination side 50-2, the operator of the centralized center 4 on the destination side 50-2 receives the telephone contact (S521). . In this example, the client C1 makes a telephone contact for a payment stop request to the recipient's account to the centralized center 4 on the destination side 50-2 via the destination store 52-1. However, the client C1 may directly make a telephone contact for a payment stop request to the recipient's account to the centralized center 4 on the destination side 50-2.

  Subsequently, when the operator receives a telephone contact for a payment stop request to the payee's account, the operator selects “Account Stop” as a process selection using the operator terminal 10 based on the received content. A transfer stop condition is input (S522). The transfer stop condition includes the name of the client C1 who stops the transfer and the account information of the recipient who stops the transfer. Further, the transfer stop condition may include information such as a period during which the transfer is stopped.

  In the operator terminal 10, the control unit 110 acquires the input transfer stop condition, and creates a host registration message in which the acquired transfer stop condition is set (S523). The control unit 110 controls the communication unit 130 so that the created host registration message is transmitted to the host 40 as a deposit prohibition instruction (S524). Here, a configuration example of the deposit prohibition instruction will be described. FIG. 8 is a diagram illustrating a configuration example of a deposit prohibition instruction. As shown in FIG. 8, the deposit prohibition instruction D10 includes a subject and an account number as an example of the account information of the recipient.

  Returning to FIG. 7, the description will be continued. When receiving the deposit prohibition instruction, the host 40 on the receiving side 50-2 associates “with deposit prohibition setting” with the recipient's account (recipient account 411). Specifically, the host 40 on the receiving side 50-2 stores information related to the payee's account, and when receiving the deposit prohibition instruction, it is set to the deposit prohibition instruction in the information related to the payee's account. Change the deposit prohibition information corresponding to the subject and account number to “Payment prohibition set”. Here, the structural example of the information regarding a payee's account is demonstrated.

  FIG. 9 is a diagram showing a configuration example of information related to the payee's account. As shown in FIG. 9, the information D20 regarding the recipient's account includes a subject, an account number, an account holder, and deposit prohibition information. The course and account number correspond to examples of recipient account information. The account holder corresponds to the name of the recipient. The deposit prohibition information is information indicating whether or not the deposit prohibition setting is set for the account (that is, the deposit prohibition information indicates either “no deposit prohibition setting” or “no deposit prohibition setting”).

  Returning to FIG. 7, the description will be continued. In the state where the deposit prohibition is set in the payee's account, the transfer data is transmitted from the destination store 52-1 to the host 40 on the destination side 50-2 (S 531). If the account (recipient account 411) is unable to deposit money, information regarding the transfer deposit error that occurred in the host 40 is transmitted as a non-payable message. Further, in the host 40, the reason for non-payment is associated with the subject and the account number. Here, a configuration example of a non-payable message will be described.

  FIG. 10 is a diagram illustrating a configuration example of a non-payable message. As shown in FIG. 10, the non-payable message D30 includes a subject, an account number, and a client name. The course and account number correspond to examples of recipient account information. The client name corresponds to the name of client C1. The subject, the account number, and the client name are included in the transfer data transmitted from the destination store 52-1, are acquired from the transfer data in the host 40, and are set in a non-payable message.

  Returning to FIG. 7, the description will be continued. In the transfer management server 20 of the centralized center 4, when a non-payable message is received by the communication unit 230 (S533), the non-payable message is read as a received message (S534). When various information set in the received message is displayed on the operator terminal 10, the operator refers to the various information and selects an account information query using the operator terminal 10. When the account information inquiry is selected by the operator, the control unit 110 controls the account inquiry message in which the subject and the account number are set to be transmitted to the host 40.

  When the host 40 receives the account inquiry message, the host 40 acquires the account holder and the non-payable reason corresponding to the course and account number set in the account inquiry message, and the subject, the account number, the account holder and the non-payable reason are obtained. The set inquiry result message is returned to the transfer management server 20. Thereby, account information inquiry is implemented (S535, S536). FIG. 11 is a diagram illustrating a configuration example of a query result message. As shown in FIG. 11, the inquiry result message D40 includes a subject, an account number, an account holder, and a non-payable reason.

  In the operator terminal 10, the inquiry result message D40 is received by the communication unit 130, and the subject, the account number, the account holder, and the non-payable reason set in the inquiry result message D40 are displayed on the display unit 160.

  The operator refers to this information, and if the name of the client C1 who stops the transfer entered in S522 matches the name of the client C1 set in the non-payable message displayed by the operator terminal 10, and If the non-payable reason displayed by the operator terminal 10 is “Payment prohibition set”, return is selected using the operator terminal 10 (S537).

  In the operator terminal 10, when the control unit 110 creates a post-processing message for replacement return (S538), the control unit 110 controls the communication unit 130 so that the created post-processing message is transmitted to the host 40 as a replacement return message. To do. In the host 40, the replacement return message is received, and the replacement return based on the replacement return message is made (S541). As a result, funds are returned to the client C1 at the destination store 52-1 (S542).

  The function details of the first example of the information processing system 1 according to the embodiment of the present invention have been described above. As described above, in the general method, since the deposit prohibition setting is performed on the host 40 at the branch office, a load on the branch office is generated. On the other hand, according to the first example described above, the depositing prohibition setting is performed on the host 40 by the centralized center 4, so that it is possible to reduce the load on the branch office for the deposit prohibition setting for the payee account. .

  Subsequently, the functional details of the second example of the information processing system 1 according to the embodiment of the present invention will be described. FIG. 12 is a diagram for explaining functional details of the second example of the information processing system 1 according to the embodiment of the present invention.

  First, as in the first example, it is assumed that a transfer operation has already been performed from the client C1 to the recipient's account, but no transfer has been executed. Here, it is assumed that the client C1 wishes to stop the transfer for some reason. At this time, the client C1 makes a telephone contact with the destination store 52-1 for a request to stop the payment to the recipient's account before the destination message is transmitted (S511).

  When the destination store 52-1 makes a telephone contact for a payment stop request to the centralized center 4 on the destination side 50-2, the operator of the centralized center 4 on the destination side 50-2 receives the telephone contact (S521). . Also in this example, the client C1 makes a telephone contact for a payment stop request to the recipient's account to the centralized center 4 on the destination side 50-2 through the destination store 52-1. However, the client C1 may directly make a telephone contact for a payment stop request to the recipient's account to the centralized center 4 on the destination side 50-2.

  Subsequently, when the operator receives a telephone contact for a payment stop request to the payee's account, the operator selects “Account Stop” as a process selection using the operator terminal 10 based on the received content. A transfer stop condition is input (S522). The transfer stop condition includes the name of the client C1 who stops the transfer and the account information of the recipient who stops the transfer. Further, the transfer stop condition may include information such as a period during which the transfer is stopped. In the operator terminal 10, the control unit 110 controls the communication unit 130 so that the transfer stop condition is transmitted to the transfer management server 20.

  In the transfer management server 20, the deposit prohibition setting unit 211 acquires a transfer stop condition, and creates a host registration message in which the acquired transfer stop condition is set (S523). The deposit prohibition setting unit 211 controls the communication unit 130 so that the created host registration message is transmitted to the host 40 as a deposit prohibition instruction (S524). As a result, the deposit prohibition setting unit 211 performs deposit prohibition setting on the recipient's account. The deposit prohibition instruction is as described above with reference to FIG.

  When receiving the deposit prohibition instruction, the host 40 on the receiving side 50-2 associates “with deposit prohibition setting” with the recipient's account (recipient account 411). Specifically, the host 40 on the receiving side 50-2 stores information related to the payee's account, and when receiving the deposit prohibition instruction, it is set to the deposit prohibition instruction in the information related to the payee's account. Change the deposit prohibition information corresponding to the subject and account number to “Payment prohibition set”. Information on the payee's account is as described above with reference to FIG.

  In the state where the deposit prohibition is set in the payee's account, the transfer data is transmitted from the destination store 52-1 to the host 40 on the destination side 50-2 (S 531). If the account (recipient account 411) is unable to deposit money, information regarding the transfer deposit error that occurred in the host 40 is transmitted as a non-payable message. Further, in the host 40, the reason for non-payment is associated with the subject and the account number. The non-payable message is as described above with reference to FIG.

  In the transfer management server 20 of the centralized center 4, when a non-payable message is received by the communication unit 230 (S533), the extraction unit 212 reads the non-payable message as a received message (S534). More specifically, the extraction unit 212 extracts a subject, an account number, and a client name from a non-payable message. The non-payable reason acquisition unit 213 controls the communication unit 230 so that the account inquiry message in which the subject and the account number are set is transmitted to the host 40.

  When the host 40 receives the account inquiry message, the host 40 acquires the account holder and the non-payable reason corresponding to the course and account number set in the account inquiry message, and the subject, the account number, the account holder and the non-payable reason are obtained. The set inquiry result message is returned to the transfer management server 20. Thereby, account information inquiry is implemented (S535, S536). The inquiry result message is as described above with reference to FIG.

  In the transfer management server 20, the inquiry result message D40 is received by the communication unit 230, and the subject, account number, account holder, and non-payment reason set in the inquiry result message D40 are acquired by the non-payment reason acquisition unit 213. Is done.

  Based on the information acquired by the non-payable cause acquisition unit 213, the funds return control unit 214 receives the name of the client C1 who stops the transfer input in S522, and the non-payable status displayed by the operator terminal 10. If it is determined that the name of the client C1 set in the message matches, and if it is determined that the reason for non-payment is “payment prohibited” (S612: “Yes”) A processing message is created (S538), and the communication unit 230 is controlled so that the created post-processing message is transmitted to the host 40 as a replacement return message.

  In the host 40, the replacement return message is received, and the replacement return based on the replacement return message is made (S541). As a result, funds are returned to the client C1 at the destination store 52-1 (S542).

  On the other hand, if the destination non-payment processing unit 215 does not match the name of the client C1 who stops the transfer input in S522 and the name of the client C1 set in the non-payable message displayed by the operator terminal 10. If it is determined, or if it is determined that the reason for non-payment is not “payment prohibition set” (“No” in S612), a predetermined process is performed when a non-payable deposit occurs.

  Here, the predetermined process may include at least a process of notifying the operator terminal 10 of the occurrence of the inability to receive payment. When the operator terminal 10 is notified of the occurrence of inability to receive payment, the operator terminal 10 receives a notification of the occurrence of inability to receive incoming payment by the communication unit 130, and is generally The business is executed (S613).

  The function details of the second example of the information processing system 1 according to the embodiment of the present invention have been described above. In the second example as well, as in the first example, it is possible to reduce the load on the branch office for setting the prohibition of payment for the payee account. Furthermore, the general method is inefficient because post-processing at the centralized center 4 is always performed through an operator. On the other hand, according to the second example, post-processing at the centralized center 4 is performed without an operator, so that post-processing when a destination error occurs can be performed more efficiently.

(1-5. Hardware configuration example)
Next, the hardware configuration of the transfer management server 20 according to the embodiment of the present invention will be described. Although the hardware configuration of the transfer management server 20 will be described here, the hardware configuration of the operator terminal 10 can be realized in the same manner as the hardware configuration of the transfer management server 20. That is, the hardware configuration of various apparatuses according to the embodiment of the present invention can be realized by the hardware configuration of the information processing apparatus 900 as described below.

  FIG. 13 is a diagram showing a hardware configuration of the information processing apparatus 900 according to the embodiment of the present invention. The information processing apparatus 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, , An input device 908, an output device 909, a storage device 910, and a communication device 911.

  The CPU 901 functions as an arithmetic processing device and a control device, and controls the overall operation in the information processing device 900 according to various programs. Further, the CPU 901 may be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, and the like. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 904 including a CPU bus or the like.

  The host bus 904 is connected to an external bus 906 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 905. Note that the host bus 904, the bridge 905, and the external bus 906 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 908 includes an input means for inputting information such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch, and a 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 901. Etc. A user who operates the information processing apparatus 900 can input various data or instruct a processing operation to the information processing apparatus 900 by operating the input device 908.

  The output device 909 includes, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, a display device such as a lamp, and an audio output device such as a speaker.

  The storage device 910 is a device for storing data. The storage device 910 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 910 is configured with, for example, an HDD (Hard Disk Drive). The storage device 910 drives a hard disk and stores programs executed by the CPU 901 and various data.

  The communication device 911 is a communication interface configured with, for example, a communication device for connecting to a network. Further, the communication device 911 may support either wireless communication or wired communication.

  The details of the embodiment of the present invention have been described above.

(1-6. Effect)
According to the embodiment of the present invention, a transfer management server 20 including a deposit prohibition setting unit 211, an extraction unit 212, a non-payment reason acquisition unit 213, and a fund return control unit 214 is provided. Here, the deposit prohibition setting unit 211 receives the name of the first transfer requester and the account information of the first transfer recipient, and sends the first transfer recipient account to the host 40 (host device). Set the prohibition of deposit. The extraction unit 212 extracts the name of the second transfer requester and the account information of the second transfer recipient from the non-payable message of the transfer transaction received from the host 40.

  The non-payable reason acquisition unit 213 acquires the non-payable reason corresponding to the account information of the second transfer recipient from the host 40. If the funds return control unit 214 determines that there is a deposit prohibition setting in the account of the second transfer recipient based on the reason for non-payment, and the name of the first transfer requester and the second transfer requester When it is determined that the name and the name match, transmission of the replacement return message for returning the funds to the first transfer requester to the host 40 is controlled.

  According to such a configuration, it is possible to reduce the load imposed on the sales office for setting the prohibition of payment to the payee account. Further, according to such a configuration, the post-processing at the centralized center 4 is performed without an operator, so that the post-processing when the destination error occurs can be performed more efficiently.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but 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, in the above description, the example in which the transfer management server 20 includes the deposit prohibition setting unit 211, the extraction unit 212, the non-payment reason acquisition unit 213, the fund return control unit 214, and the destination non-payment processing unit 215 has been described. However, some or all of these may be provided in the operator terminal 10 instead of the transfer management server 20.

DESCRIPTION OF SYMBOLS 1 Information processing system 2 Sales office 4 Centralized center 10 Operator terminal 110 Control part 130 Communication part 140 Storage part 150 Operation part 160 Display part 20 Transfer management server 210 Control part 211 Deposit prohibition setting part 212 Extraction part 213 Non-payment reason acquisition part 214 Fund return control unit 215 Destination deposit impossible processing unit 230 Communication unit 240 Storage unit 30 Branch terminal 32 Printer 40 Host (own host)
42 Other host

Claims (4)

A deposit prohibition setting unit that accepts the name of the first transfer requester and the account information of the first transfer recipient, and sets the prohibition of depositing the account of the first transfer recipient to the host device;
An extraction unit for extracting the name of the second transfer requester and the account information of the second transfer recipient from the non-payable message of the transfer transaction received from the host device;
A non-payable reason acquisition unit for acquiring a non-payable reason corresponding to the account information of the second transfer recipient from the host device;
If it is determined that there is a deposit prohibition setting in the account of the second transfer recipient based on the reason for non-payment, and the name of the first transfer requester and the name of the second transfer requester are A fund return control unit that controls transmission of an exchange return message for returning funds to the first transfer requester to the host device when it is determined that they match;
An information processing apparatus comprising: The information processing apparatus includes:
When it is determined that there is no deposit prohibition setting in the account of the second transfer recipient based on the reason for non-payment, or the name of the first transfer requester and the name of the second transfer requester are When it is determined that they do not match, a destination non-payable processing unit that performs a predetermined process at the time of non-payment of incoming payment occurs,
The information processing apparatus according to claim 1. The predetermined process includes at least a process of notifying the operator terminal of the occurrence of inability to receive payment.
The information processing apparatus according to claim 2. Computer
A deposit prohibition setting unit that accepts the name of the first transfer requester and the account information of the first transfer recipient, and sets the prohibition of depositing the account of the first transfer recipient to the host device;
An extraction unit for extracting the name of the second transfer requester and the account information of the second transfer recipient from the non-payable message of the transfer transaction received from the host device;
A non-payable reason acquisition unit for acquiring a non-payable reason corresponding to the account information of the second transfer recipient from the host device;
If it is determined that there is a deposit prohibition setting in the account of the second transfer recipient based on the reason for non-payment, and the name of the first transfer requester and the name of the second transfer requester are A fund return control unit that controls transmission of an exchange return message for returning funds to the first transfer requester to the host device when it is determined that they match;
A program for causing an information processing apparatus to function.

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