JP2021033879A - Transfer management system, transfer management device, program, and method - Google Patents

Abstract

To reduce the workload on an operator when the operator deposits reimbursement money to an account of another financial institution.SOLUTION: A transfer management system of a first financial institution processes reimbursement of a transfer request made by a client with return of funds from a financial institution of a transfer destination. The transfer management system includes: a storage unit that stores information indicating one or more second financial institutions; an acquisition unit that acquires, from the client, instruction information that instructs a processing method of the reimbursement money, which is funds reimbursed from the financial institution of the transfer destination; and a message creation unit that creates a deposit message requesting deposit of the reimbursement money to the account of the second financial institution after the funds of the reimbursement money have been returned from the financial institution of the transfer destination when the processing method instructed by the instruction information is a deposit to the account of the second financial institution indicated by the information stored in the storage unit.SELECTED DRAWING: Figure 2

Description

The present invention relates to a transfer management system, a transfer management device, a program and a method.

In recent years, exchange processing between different financial institutions has become widespread. For example, when a client makes an exchange request such as a transfer at a financial institution, the financial institution of the transfer destination (also referred to as the recipient side) is sent from the host computer of the financial institution of the transfer source (also referred to as the destination side). The transfer message is sent to the host computer owned by. Then, the automatic deposit processing is performed on the host computer owned by the financial institution on the destination side.

On the other hand, if there is a defect in the transfer message and it is not possible to make a deposit to the account specified by the client, that is, if a transfer error occurs, the host computer on the destination side will inform the financial institution on the destination side of the defect. Send the written inquiry message and complete the transfer process according to the reply message from the financial institution on the destination side.

When the transfer management system of the financial institution on the destination side receives the above inquiry message, it sends a reply message requesting correction or reinstatement of funds according to the content of the inquiry message. For example, if the content of the deficiency described in the inquiry message is a data transfer error, the transfer management system of the financial institution on the destination side sends a reply message requesting correction or reinstatement of funds. On the other hand, the transfer management system of the financial institution on the destination side inquires of the client about the post-processing method (correction or reinstatement of funds) when the deficiency described in the inquiry telegram is incorrect by the client. Create a response message according to the response from the client.

Here, when the reinstatement request is sent to the financial institution on the destination side as a reply message, the funds are returned to the financial institution on the destination side, and the transfer management system of the financial institution on the destination side uses the reinstated funds. Deposit a refund to the client's account. In addition, when the correction request is sent to the financial institution on the recipient side as a reply message, the financial institution on the recipient side makes a payment to the transfer destination indicated in the correction request.

Such a technique related to exchange processing is also disclosed in, for example, Patent Document 1 below. Specifically, Patent Document 1 discloses a technique of inquiring the client and then depositing the reimbursement money into the client's account when a transfer error occurs.

Japanese Unexamined Patent Publication No. 2006-107076

However, if the deposit destination of the rebate money specified by the client in the rebate is the account of another financial institution that is not the destination financial institution, the deposit will be treated as another bank, so the transfer management system It was not possible to make a deposit. For this reason, the operator may manually perform the payment work from another terminal after discarding the data related to the transfer transaction from the transfer management system.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to reduce the workload of the operator when depositing the repatriation money into the account of another financial institution. To provide possible new and improved transfer management systems, transfer management devices, programs and methods.

In order to solve the above problem, according to a certain viewpoint of the present invention, the transfer request made by the client is processed by the first financial institution that processes the reinstatement accompanied by the return of funds from the financial institution to which the transfer is made. An instruction to instruct a transfer management system, a storage unit that stores information indicating one or more second financial institutions, and a method of processing a repatriation amount, which is a fund repatriated from the transfer destination financial institution. When the acquisition unit for acquiring information from the client and the processing method instructed by the instruction information are payments to the account of the second financial institution indicated by the information stored in the storage unit, the transfer It is provided with a message creation unit that creates a deposit message requesting payment of the refund to the account of the second financial institution after the funds of the refund have been returned from the previous financial institution. A transfer management system is provided.

The second financial institution may be a financial institution that has a tie-up or group relationship with the first financial institution.

The second financial institution may be a financial institution that shares the same host computer as the first financial institution.

The transfer management system further includes an instruction sheet creating unit that creates an instruction sheet including the instruction information based on the operation of the operator, and the instruction sheet creating unit deposits money when the processing method of the repatriation money is payment. The input by the operator may be possible within the range of the one or more second financial institutions indicated by the information stored in the storage unit.

The transfer management system displays the replacement message and processes the reimbursement money instructed by the instruction information when the funds are returned by receiving the replacement message from the financial institution of the transfer destination. The telegram creation unit may further include a screen generation unit that generates an approval screen including the display of the above, and the telegram creation unit may create the deposit telegram based on the approval operation being performed on the approval screen.

Further, in order to solve the above problem, according to another viewpoint of the present invention, the transfer request made by the client is processed as a reassembling with the return of funds from the financial institution of the transfer destination. A transfer management device in a financial institution's transfer management system, which is a storage unit that stores information indicating one or more second financial institutions, and a remittance amount that is funds repatriated from the transfer destination financial institution. The acquisition unit that acquires the instruction information instructing the processing method from the client and the processing method instructed by the instruction information are transferred to the account of the second financial institution indicated by the information stored in the storage unit. In the case of deposit, a message to create a deposit message requesting the deposit of the refund to the account of the second financial institution after the funds of the refund have been returned from the financial institution of the transfer destination. A transfer management device comprising a creation unit is provided.

Further, in order to solve the above-mentioned problems, according to another viewpoint of the present invention, the computer processes the transfer request made by the client with the reinstatement accompanied by the return of funds from the financial institution of the transfer destination. It is a transfer management device in the transfer management system of the first financial institution, and is a storage unit that stores information indicating one or more second financial institutions, and funds reassembled from the transfer destination financial institution. The acquisition unit that acquires instruction information instructing the processing method of the reimbursement money from the client, and the processing method instructed by the instruction information of the second financial institution indicated by the information stored in the storage unit. In the case of deposit to the account, after the funds of the refund are returned from the financial institution of the transfer destination, a deposit message requesting the deposit of the refund to the account of the second financial institution is sent. A program is provided for functioning as a transfer management device, which comprises a message creation unit to be created.

Further, in order to solve the above problem, according to another viewpoint of the present invention, the transfer request made by the client is processed as a reassembling with the return of funds from the financial institution of the transfer destination. A method performed at a financial institution to store information indicating one or more second financial institutions in a storage unit and to process a repatriation amount, which is a fund repatriated from the transfer destination financial institution. The instruction information instructing the method is acquired from the client, and the processing method instructed by the instruction information is the payment to the account of the second financial institution indicated by the information stored in the storage unit. In the case, after the funds of the repatriation money are returned from the financial institution of the transfer destination, a deposit message requesting the payment of the repatriation money to the account of the second financial institution is created. Including, methods are provided.

According to the present invention described above, it is possible to reduce the workload of the operator when depositing the reimbursement money into the account of another financial institution.

It is explanatory drawing explaining the structure of the exchange system in embodiment of this invention. It is explanatory drawing which shows the structure of the management server 10 by embodiment of this invention. It is explanatory drawing which shows the specific example of the correction / reassembly instruction. It is explanatory drawing which shows the specific example of group information. It is explanatory drawing which shows the operation of the exchange system by embodiment of this invention. It is explanatory drawing which shows the specific example of the fund return data confirmation screen displayed on the operator terminal 16. It is a flowchart which shows the process of the management server 10 in the 2nd operation example. It is explanatory drawing which shows the display example of the set-back money processing included in the approval screen. It is a block diagram which showed the hardware configuration of management server 10.

Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

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

<1. Exchange system configuration>
First, the configuration of the exchange system including the transfer management system according to the embodiment of the present invention will be described with reference to FIG. In the following embodiment of the present invention, transfer is given as an example of exchange processing, but the exchange processing is not limited to the transfer, and the embodiment of the present invention can be applied to other exchange processing.

FIG. 1 is an explanatory diagram illustrating a configuration of an exchange system according to an embodiment of the present invention. As shown in FIG. 1, the exchange system according to the embodiment of the present invention includes the transfer management system 1, the transfer source financial institution host computer 20, the transfer destination financial institution host computer 30, and the telephone / phone of the transfer client. It includes a FAX 400, an exchange terminal 500 in a branch office 50, an in-bank network 60, a Zengin network 70, and a public network 80.

(Transfer management system 1)
The transfer management system 1 is a system that post-processes the repaid funds for the transfer that cannot be deposited by the transfer destination financial institution host computer 30. As shown in FIG. 1, the transfer management system 1 includes a management server 10, an approver terminal 14, an operator terminal 16, and a telephone / fax server 18.

The management server 10 is a transfer management device that controls post-processing of reassembly, and is connected to the in-line network 60. Further, the management server 10 stores a transfer telegram (also referred to as an original telegram with respect to the reply telegram and the replacement telegram), a reply telegram, a replacement telegram, etc. that occur due to the transfer processing, the transfer error, or the like. The operator terminal 16 is an information processing device for the operator to input the post-processing contents of the reassembled funds, and the approver terminal 14 is for a superior person having approval authority to confirm and approve the post-processing contents. It is an information processing device. The post-processing content of the reassembly input by the operator using the operator terminal 16 is executed by the management server 10 when the higher-ranking person approves it on the approver terminal 14. The approver terminal 14 and the operator terminal 16 are each connected to the management server 10.

Further, the telephone / FAX server 18 is an information processing device capable of making a telephone call or a FAX (facsimile) transmission, and is used when an operator contacts a client. The telephone / FAX server 18 is connected to the management server 10 and the public network 80, and mediates data transmission / reception between the telephone / FAX 400 owned by the client and the management server 10 via the public network 80.

(Public network 80)
The public network 80 is a network capable of telephone communication or fax communication. For example, the public network 80 may be an analog line, an ISDN (Integrated Services Digital Network) line, or the like.

(Exchange terminal 500)
The exchange terminal 500 is an information processing device installed in the business office 50 for performing exchange processing. The exchange terminal 500 is operated by an operator who has received a request from the client, creates a transfer message, and transmits the transfer message to the transfer source financial institution host computer 20.

(In-line network 60)
The bank network 60 is a dedicated network owned by the transfer source financial institution. The exchange terminal 500 in the branch office 50, the management server 10 of the transfer management system 1, and the transfer source financial institution host computer 20 are connected by an in-bank network 60, respectively. The in-line network 60 is constructed by, for example, IP-VPN (Internet Protocol-Virtual Private Network) or the like.

(Transfer source financial institution host computer 20)
The transfer source financial institution host computer 20 transmits a transfer message to the transfer destination financial institution host computer 30 via the Zengin network 70. If the transfer is not possible due to a defect in the transfer message, the transfer source financial institution host computer 20 receives an inquiry message indicating that the transfer is not possible from the transfer destination financial institution host computer 30. Further, the transfer source financial institution host computer 20 transmits a reply message requesting the reassembly process to the inquiry message to the transfer destination financial institution host computer 30, and receives a replacement message associated with the reassembly process.

Although the transfer source financial institution host computer 20 has been described as an information processing server separate from the transfer management system 1 in FIG. 1, the present invention is not limited to such an example. The transfer source financial institution host computer 20 may be an information processing server integrated with the transfer management system 1.

Further, the transfer source financial institution host computer 20 is a first financial institution having a transfer management system 1 and a branch office 50, and one or two or more second financial institutions having a tie-up relationship or a group relationship with the first financial institution. It may be a host computer shared by a financial institution. In this case, the transfer management system and the branch office of the second financial institution are also connected to the transfer source financial institution host computer 20 without going through the Zengin network 70. It is possible to reduce the system cost by sharing the host computer among multiple financial institutions.

(Zengin Network 70)
The Zengin Network 70 is a network for online exchange processing between different financial institutions. Financial institutions connected to the Zengin Network 70 can perform online transfer processing by sending and receiving transfer messages. For example, in FIG. 1, the transfer source financial institution host computer 20 and the transfer destination financial institution host computer 30 are connected to the Zengin network 70. Although not shown, a large number of financial institution host computers other than the transfer source financial institution host computer 20 and the transfer destination financial institution host computer 30 are connected to the Zengin Network 70.

(Transfer destination financial institution host computer 30)
The transfer destination financial institution host computer 30 is an information processing server owned by the transfer destination financial institution. The transfer destination financial institution host computer 30 receives the transfer message from the transfer source financial institution host computer 20 via the Zengin Network 70, and processes the transfer to the transfer destination account based on the transfer message. Further, when the transfer is impossible due to a defect in the transfer message, the transfer destination financial institution host computer 30 transmits an inquiry message to the transfer source financial institution host computer 20 to the effect that the transfer is impossible. Further, the transfer destination financial institution host computer 30 transmits a replacement message for performing reassembly processing based on the reply message transmitted from the transfer source financial institution host computer 20.

<2. Management server configuration>
The configuration of the exchange system according to the embodiment of the present invention has been described above. Subsequently, the configuration of the management server 10 according to the embodiment of the present invention will be described with reference to FIG.

FIG. 2 is an explanatory diagram showing a configuration of a management server 10 according to an embodiment of the present invention. As shown in FIG. 2, the management server 10 according to the embodiment of the present invention includes a message linking unit 100, a screen generation unit 102, a message creation unit 104, an instruction sheet creation unit 106, and a management server communication unit 108. The terminal communication unit 116, the answer message search unit 110, the original message search unit 114, the original message storage unit 121, the instruction sheet storage unit 123, the answer message storage unit 125, the replacement message storage unit 127, and the group information. A database storage unit 120 including a storage unit 129 is provided.

(Management server communication unit 108)
The management server communication unit 108 connects to the in-bank network 60, and sends and receives various messages to and from the transfer destination financial institution host computer 30 via the transfer source financial institution host computer 20. Specifically, the management server communication unit 108 receives the inquiry message and the replacement message transmitted from the transfer destination financial institution host computer 30, and also transmits the reply message to the transfer destination financial institution host computer 30.

(Telegram tying part 100)
The message linking unit 100 associates the response message sent from the transfer source financial institution host computer 20 with the replacement message received from the transfer destination financial institution host computer 30 and automatically links them. Specifically, the telegram linking unit 100 searches by comparing the calling number in the reply telegram with the reference number in the replacement telegram, and the calling number of the reply telegram and the reference number of the replacement telegram match. In this case, the answer telegram and the replacement telegram are associated with each other.

Here, the calling number of the reply message is a number automatically assigned by the transfer source financial institution host computer 20 when the reply message is created and sent, and is a unique number for each reply message. The reference number of the replacement telegram is the transmission number of the reply telegram that is the basis of the replacement telegram, and is entered by the operator of the transfer destination financial institution when the replacement telegram is created.

(Screen generation unit 102)
The screen generation unit 102 generates a screen displayed by the operator terminal 16 and the approver terminal 14. Specifically, the screen generation unit 102 generates a confirmation screen for inquiry telegrams, a screen for creating correction / reassembly instructions, a screen for creating response telegrams, a post-processing confirmation screen after returning funds, and the like, and causes the operator terminal 16 to generate the screen. Display it. Further, the screen generation unit 102 displays the contents of the screen that the operator has completed input by the operator terminal 16 on the approver terminal 14, and generates a screen for requesting approval.

In particular, when the reply message and the replacement message are linked on the post-processing confirmation screen after the return of funds, the screen generation unit 102 adds the linked reply message in addition to the replacement message notifying the return of funds. Answer Generates a screen that includes the post-processing content based on the correction / reassembly instruction that was the basis for creating the telegram, and the transfer telegram (original telegram) that resulted in the transfer error.

(Telegram Creation Unit 104)
The message creation unit 104 creates a reply message or the like to be transmitted to the transfer destination financial institution host computer 30. Specifically, the message creation unit 104 creates a response message in a predetermined format based on the content input by the operator on the screen generated by the screen generation unit 102, and the transfer destination finance via the management server communication unit 108. The reply message is transmitted to the institution host computer 30.

(Instruction sheet creation unit 106)
The instruction sheet creating unit 106 creates a correction / reassembling instruction sheet to be transmitted to the transfer requester. Specifically, the instruction sheet creation unit 106 creates a correction / reassembly instruction sheet that reflects the contents input to the operator terminal 16 by the operator contacting the client by telephone or the like for confirmation. The correction / reassembly instruction created by the instruction creation unit 106 is data-transmitted to the telephone / FAX server 18, and further fax-transmitted to the client by the telephone / FAX server 18. Here, a specific example of the correction / reassembly instruction will be described with reference to FIG.

FIG. 3 is an explanatory diagram showing a specific example of the correction / reassembly instruction. As shown in Fig. 3, the correction / reassembly instruction has "1. Initial transfer details" column, "2. Request details" column, "3. Fee payment" column, and "Signature / seal" column. included. In the "1. Initial transfer details" column, the transfer request date or designated transfer date, amount, transfer destination financial institution, and recipient name are described. The "2. Request details" column is a column for instructing "change" to correct the contents and make a transfer to the same financial institution or "reassemble" to return the funds as the contents of the response to the transfer error.

Furthermore, in the case of "reinstatement", a selection field 91 for instructing "retransfer" to another financial institution, a selection field 92 for instructing "payment", and "receipt in cash" are instructed. Selection field 93 is prepared. The client can select the desired post-processing from the above. In the case of "re-transfer" or "payment", the information of the re-transfer destination or the payment destination is entered in the re-transfer destination / payment destination entry field 95. The "3. Payment of fee" column is a column for instructing the payment method of the fee for the transfer change / reassembly request, and the "signature / seal" column is the column where the client submits the transfer change / reassembly request form. This is a column for signing / sealing indicating that the confirmation has been made.

As described above, the correction / reassembly instruction is faxed to the client by the instruction creation unit 106 with the request contents, the payee of the fee, and the like filled in. In this case, the client confirms the contents of the transfer change / reassembly request form, signs / seals it, and replies. However, the correction / reassembly instruction may be faxed to the client in a blank state. In this case, the processing content desired by the client is entered in the correction / reassembly instruction, signed / sealed, and the correction / reassembly instruction is returned.

(Terminal communication unit 116)
The terminal communication unit 116 transmits / receives data to / from the approver terminal 14, the operator terminal 16, and the telephone / FAX server 18. For example, the terminal communication unit 116 has a function as an acquisition unit that acquires a correction / reassembly instruction, which is instruction information instructing a method of processing the reimbursement money, from the client via the telephone / FAX server 18. Such a terminal communication unit 116 is a communication interface composed of a communication device or the like for connecting to an external device, and is, for example, a USB (Universal Serial Bus) port, an IEEE1394 port, a SCSI (Small Computer Interface), RS. It may be a connection interface composed of a -232C port or a connection port for connecting an external device such as an optical audio terminal.

(Database storage unit 120)
The database storage unit 120 is a storage medium including an original message storage unit 121, an instruction sheet storage unit 123, a response message storage unit 125, a replacement message storage unit 127, and a group information storage unit 129. For example, the database storage unit 120 may be realized by a recording medium such as an HDD (Hard Disk Drive) device or an SSD (Solid State Drive) device.

The original telegram storage unit 121 stores the transfer telegram transmitted by the exchange terminal 500. For example, the original message storage unit 121 stores the contents of the transfer message, the source, and the transmission number of the transfer message together. In addition, the instruction sheet storage unit 123 stores the correction / reassembly instruction sheet received from the client. For example, the instruction sheet storage unit 123 may store the correction / reassembly instruction sheet as image data, or uses OCR (Optical Character Recognition) technology to read and store the description content as character data. You may.

The response message storage unit 125 stores the response message transmitted by the management server 10 to the transfer destination financial institution host computer 30. For example, the response telegram storage unit 125 stores the content of the response telegram, the transmission number of the response telegram, and the transmission number of the corresponding inquiry telegram as the inquiry number. Further, the replacement telegram storage unit 127 stores the replacement telegram received by the management server 10 from the transfer destination financial institution host computer 30. For example, the replacement telegram storage unit 127 stores the content of the replacement telegram, the transmission number of the replacement telegram, and the transmission number of the corresponding response telegram as the reference number.

The group information storage unit stores group information indicating a financial institution having a tie-up relationship or a group relationship with the financial institution having the management server 10. For example, when the financial institution having the management server 10 is "Oki", the group information storage unit manages the finance such as "Saitama Oki", "Kansai Oki", and "Tokyo Oki" as shown in FIG. Store group information indicating the institution.

Although the example in which the management server 10 includes the database storage unit 120 has been described above, the database storage unit 120 may be provided in the transfer source financial institution host computer 20. In this case, the management server 10 connects to the database storage unit 120 via the in-line network 60 and acquires the information stored in the database storage unit 120.

(Answer telegram search unit 110)
The answer telegram search unit 110 searches for the answer telegram corresponding to the search condition input by the operator from the answer telegrams to which the replacement telegram is not associated among the answer telegrams stored in the answer telegram storage unit 125. That is, the response telegram search unit 110 is used when the operator manually inputs conditions and searches for the response telegram at his / her own discretion. For example, when the answer telegram search unit 110 is used, the answer telegram and the replacement telegram are linked by the telegram linking unit 100, but when the content of the telegram is confirmed, the answer telegram and the replacement telegram do not correspond. This is the case when it is determined that the linking is incorrect, or when the corresponding reply message is not automatically linked to the replacement message due to a mistake in typing the reference number.

(Primary telegram search unit 114)
The original telegram search unit 114 searches the original telegram storage unit 121 for the transfer telegram corresponding to the original telegram based on the reference number of the replacement telegram. Specifically, in the original telegram search unit 114, when the reply telegram and the replacement telegram are not linked and there is no instruction from the client regarding the processing after the funds are returned by the reassembling, the requester does not instruct by the reassembling instruction. In addition, it is used by the operator to determine the processing after returning the funds. The original telegram search unit 114 searches for the transfer telegram that is the source of the replacement telegram based on the reference number of the replacement telegram. If the answer telegram and the replacement telegram cannot be linked, the reference number of the replacement telegram becomes the calling number of the original telegram. If the original telegram search unit 114 finds the transfer message that is the source of the replacement telegram, the operator can determine the processing after returning the funds from the contents of the transfer message that is the original telegram.

<3. Exchange system operation>
(3-1. First operation example)
The configuration of the exchange system and the management server 10 according to the embodiment of the present invention has been described above. Subsequently, with reference to FIG. 5, the operation of the exchange system according to the embodiment of the present invention will be organized. In Fig. 5, the transfer from the transfer source financial institution becomes impossible to deposit at the transfer destination financial institution, the funds are reassembled to the transfer source financial institution, and the reassembled funds (return money) are the clients of the transfer source financial institution. It shows the flow of depositing money into the account of.

As shown in FIG. 5, first, the client makes a transfer request to the branch office 50 (S100). At the branch office 50 that receives the transfer request, the operator operates the exchange terminal 500, creates a transfer message (original message), and transmits the transfer message to the transfer source financial institution host computer 20 via the in-bank network 60 (S102). ). The transfer source financial institution host computer 20 transmits the received transfer message to the transfer destination financial institution host computer 30A (S104). Here, if there is a deficiency in the transfer message sent to the transfer destination financial institution host computer 30A due to a difference in the account number or the like, the transfer destination financial institution cannot make a deposit to the transfer destination account (S106). Therefore, the transfer destination financial institution host computer 30A sends an inquiry message stating that the transfer was not possible and the content of the deficiency to the transfer source financial institution host computer 20, and inquires about the post-processing content (S108). ..

The transfer source financial institution host computer 20 transmits the received inquiry message to the management server 10 of the transfer management system 1 (S110). The management server 10 displays the received inquiry telegram and the original telegram that is the reference destination of the inquiry telegram on the operator terminal 16 and causes the operator to inquire about each other's contents (S112). The operator confirms the contents of the received inquiry telegram and the original telegram to which the inquiry telegram is referred, and if necessary, confirms the contents with the client, creates a correction / reassembly instruction, and the client. The correction / reassembly instruction is faxed using the telephone / FAX server 18 (S114).

The client confirms the correction / reassembly instruction sent by fax, signs and seals it, and returns it to the telephone / fax server 18 (S116). Here, it is assumed that the correction / reinstatement instruction indicates the payment of the reinstatement money to the account of the client's transfer source financial institution.

The telephone / FAX server 18 transmits the signed / stamped correction / reassembly instruction to the management server 10, and the management server 10 stores the correction / reassembly instruction in the instruction storage unit 123 (S118). .. The operator causes the management server 10 to create a reply message requesting the return of funds by the operator terminal 16 based on the corrected / reassembled instruction that is signed / stamped and returned, and sends the reply message to the transfer source financial institution host computer 20. (S120). The transfer source financial institution host computer 20 transmits the reply message to the transfer destination financial institution host computer 30A (S122).

The transfer destination financial institution host computer 30A creates a replacement message for returning the funds according to the received reply message, and transmits the transfer message to the transfer source financial institution host computer 20 (S124). The transfer source financial institution host computer 20 transmits the replacement telegram to the management server 10 of the transfer management system 1 (S126).

The management server 10 that has received the replacement message automatically searches for the response message of the outgoing number corresponding to the reference number of the received replacement message from the response message stored in the database storage unit 120, and the response message And the replacement telegram are associated with each other (S128). Next, the management server 10 uses the replacement message, the associated response message, the content of the correction / reassembly instruction from the transfer requesting customer 40 on which the response message is based, and the transfer message at the beginning of the transfer. (Original telegram) is displayed on the operator terminal 16 as a fund return data confirmation screen. When the operator confirms the displayed content on the operator terminal 16 and requests approval, the content is transmitted to the approver terminal 14. The approver confirms the content on the approver terminal 14, corrects it if necessary, and approves it (S130). Here, with reference to FIG. 6, a specific example of the fund return data confirmation screen displayed on the operator terminal 16 will be described. Displayed on operator terminal 16

FIG. 6 is an explanatory diagram showing a specific example of the fund return data confirmation screen displayed on the operator terminal 16. As shown in FIG. 6, the fund return data confirmation screen 200 includes the replacement telegram information 202, the original telegram information 204, the customer information 206, the reassembling request telegram information 208, and the reassembling money processing screen 210. It includes a return request message inquiry button 212, a linking cancel button 214, an approval request button 216, and a back button 218.

The contents of the received replacement telegram are displayed in the replacement telegram information 202, and the contents of the reply telegram corresponding to the replacement telegram are displayed in the reassembly request telegram information 208. Further, since the transmission number of the reassembly request telegram information 208 and the reference number of the replacement telegram information 202 are the same, it can be seen that both are linked by the telegram linking unit 100.

Further, the original message information 204 displays the content of the transfer message that caused the transfer error, and the repatriation processing screen 210 shows the post-processing described in the correction / reassembling instruction received from the client. The contents of are displayed automatically. In FIG. 6, the deposit to the client's account is shown as a post-processing method. In the customer information 206, if there is a noteworthy matter such as the fact that the client is an important customer, that fact may be displayed.

The operator who has confirmed the content displayed on the fund return data confirmation screen 200 can request approval from a superior by pressing the approval request button 216. An approval screen including replacement telegram information 202 and reimbursement processing 210 is displayed on the approver terminal 14, and the approver approves the contents of the approval screen on the approver terminal 14, so that post-processing of reassembly is performed. Will be. When the operator performs other work, the operator can exit the fund return data confirmation screen 200 by pressing the back button 218.

Returning to the description of the operation with reference to FIG. 5, the management server 10 instructs the transfer source financial institution host computer 20 to deposit the repatriation money to the account of the transfer source financial institution of the client specified in S116. (S152). Upon receiving the instruction, the transfer source financial institution host computer 20 deposits the reimbursement money into the account of the transfer source financial institution of the client designated in S116 (S154).

(3-2. Second operation example)
When the client makes a transfer request at a financial institution that has a client's account, it is possible to deposit the reimbursement money into the client's account as described in the first operation example. On the other hand, the client may make a transfer request at a financial institution that does not have the client's account. For example, the client has an account of financial institution A, financial institution A and financial institution B are in a group relationship, and the client who has an account of financial institution A makes a transfer request fee at financial institution B. If is given preferential treatment, the client may make a transfer request at financial institution B.

However, in some exchange systems, it was not possible to deposit reimbursement money to a financial institution different from the one from which the transfer was made. For example, if the transfer request in the above example returns the funds from the transfer destination financial institution to the financial institution B, it is not possible to deposit the repatriation money to the client's account at the financial institution A in such an exchange system. It had been. For this reason, the operator discards the reply message and the replacement message related to the transfer from the transfer management system, and manually inputs the deposit information to the terminal to return the money to the client's account at the financial institution A. I was making a deposit. That is, since the processing via the fund return data confirmation screen 200 and the approval screen described with reference to FIG. 6 is not performed, extra time and effort is required for the operation.

Regarding this point, in the second operation example, it is possible to deposit the repatriation money to the account of the financial institution (group bank) having a group relationship with the financial institution of the transfer source. Hereinafter, such a second operation example will be described with reference to FIG. 7.

FIG. 7 is a flowchart showing the processing of the management server 10 in the second operation example. FIG. 7 shows the processing after S110 described with reference to FIG. First, when the management server 10 receives the inquiry message (S304), the operator inquires of the client, for example, the post-processing content by telephone (S308). Here, it is assumed that the client has requested the return of funds and the payment of the repatriation money to another bank.

In this case, the screen generation unit 102 of the management server 10 has one or more or more stored in the transfer source financial institution and the group information storage unit 129 on the correction / reassembly instruction creation screen displayed on the operator terminal 16. A list of financial institutions (group lines) is displayed, and it is possible to enter (select) the deposit destination of the repatriation money from within the list. Then, when the payment destination is selected from the list by the operator (S312), the instruction sheet creating unit 106 creates a correction / reassembly instruction according to the contents input to the operator terminal 16 and corrects / faxes to the telephone / FAX server 18. Have the client fax the reassembly instruction (S316).

After that, the terminal communication unit 116 receives the correction / reassembly instruction with the signature of the client, and the instruction storage unit stores the correction / reassembly instruction with the signature (S320). Then, the telegram creation unit 104 collates the received correction / reassembly instruction with the inquiry telegram (S324), creates a response telegram, and transmits the response telegram to the transfer destination financial institution via the management server communication unit 108. (S328).

After that, when the replacement message is received from the transfer destination financial institution, the management server 10 receives the reply message of the calling number corresponding to the inquiry number of the received replacement message from the reply message stored in the database storage unit 120. Is automatically searched for, and the answer message and the replacement message are linked as corresponding to each other (S336). Then, the screen generation unit 102 generates the fund return data confirmation screen and the approval screen based on the association (S340). For example, in the display example of the reimbursement process included in the approval screen, as shown in FIG. 8, "reimbursement deposit" is selected as the process, and the group bank is the deposit destination bank. "Saitama Oki" is specified.

When the "return money deposit" is approved, the message creation unit 104 creates a payment message requesting the payment of the repatriation money to the group line "Saitama Oki", and via the management server communication unit 108. The payment message is transmitted to the transfer source financial institution host computer 20 (S344). Here, the transfer source financial institution and its group bank "Saitama Oki" share the transfer source financial institution host computer 20, so that the transfer source financial institution host computer 20 has an account of the client "Saitama Oki". It is possible to deposit the repatriation money to. Since the deposit is made without going through the Zengin network 70, it can be realized at low cost.

In this way, according to the second operation example, when the client requests the deposit of the repatriation money to the account of the group bank, the function of the transfer management system such as the display of the fund return data confirmation screen and the approval screen. You can proceed with the deposit process in. Therefore, it is possible to reduce the workload of the operator as compared with the case where the payment process is manually performed outside the transfer management system.

In the above, on the correction / reassembling instruction creation screen displayed on the operator terminal 16, the repatriation payment destination is input from the range of the transfer source financial institution and the list of one or more group lines. Although the example that enables it has been described, other methods are also conceivable. For example, if a financial institution other than the transfer source financial institution and the group bank is input on the correction / reassembly instruction creation screen, an error display may be displayed. With such a configuration, it is possible to limit the deposit destination of the repatriation money to the transfer source financial institution or group bank.

In addition, although the example in which the funds are returned in response to the inquiry message from the transfer destination financial institution has been described above, the present invention also applies to the funds returned based on the voluntary request for the return of funds from the client. It is possible to apply the embodiment of.

<4. Hardware configuration>
The embodiments of the present invention have been described above. Information processing such as the above-mentioned instruction manual creation and telegram creation is realized by the cooperation between the software and the hardware of the management server 10 described below.

FIG. 9 is a block diagram showing the hardware configuration of the management server 10. The management server 10 includes a CPU (Central Processing Unit) 401, a ROM (Read Only Memory) 402, a RAM (Random Access Memory) 403, and a host bus 404. The management server 10 includes a bridge 405, an external bus 406, an interface 407, an input device 408, a display device 409, an audio output device 410, a storage device (HDD) 411, a drive 412, and a network interface. It is equipped with 415.

The CPU 401 functions as an arithmetic processing unit and a control device, and controls the overall operation in the management server 10 according to various programs. Further, the CPU 401 may be a microprocessor. The ROM 402 stores programs, calculation parameters, and the like used by the CPU 401. The RAM 403 temporarily stores a program used in the execution of the CPU 401, parameters that change appropriately in the execution, and the like. These are connected to each other by a host bus 404 composed of a CPU bus or the like. By collaborating with the CPU 401, ROM 402, and RAM 403 and the software, each function such as the screen generation unit 102, the telegram creation unit 104, and the instruction manual creation unit 106 described with reference to FIG. 2 can be realized.

The host bus 404 is connected to an external bus 406 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 405. It is not always necessary to separately configure the host bus 404, the bridge 405, and the external bus 406, and these functions may be implemented in one bus.

The input device 408 includes input means for the user to input information such as a mouse, keyboard, touch panel, buttons, microphone, sensor, switch and lever, and an input that generates an input signal based on the input by the user and outputs the input signal to the CPU 401. It is composed of a control circuit and the like. By operating the input device 408, the user of the management server 10 can input various data to the management server 10 and instruct the management server 10 to perform a processing operation.

The display device 409 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, a projector device, an OLED (Organic Light Emitting Mode) device, and a lamp. Further, the audio output device 410 includes an audio output device such as a speaker and headphones.

The storage device 411 is a data storage device configured as an example of the storage unit of the management server 10 according to the present embodiment. The storage device 411 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, a deleting device for deleting the data recorded on the storage medium, and the like. The storage device 411 is composed of, for example, an HDD (Hard Disk Drive) or SSD (Solid Stage Drive), or a memory having an equivalent function. The storage device 411 drives the storage and stores programs and various data executed by the CPU 401.

The drive 412 is a storage medium reader / writer, and is built in or externally attached to the management server 10. The drive 412 reads the information recorded in the removable storage medium 24 such as the mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 403 or the storage device 411. The drive 412 can also write information to the removable storage medium 24.

The network interface 415 is, for example, a communication interface composed of a communication device for connecting to the in-bank network 60 or the Zengin network 70. Further, the network interface 415 may be a wireless communication device or a wire communication device that performs wired communication.

<5. Supplement>
Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical idea described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

For example, each step in the processing of the exchange system herein does not necessarily have to be processed in chronological order in the order described as a sequence diagram or flowchart. For example, each step in the processing of the exchange system may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

Further, it is possible to create a computer program for causing the hardware such as the CPU, ROM, and RAM built in the management server 10 to exhibit the same functions as the above-described management server 10 configurations. A storage medium for storing the computer program is also provided.

10 Management server 100 Message linking section 102 Screen generation section 104 Message creation section 106 Instruction creation section 108 Management server communication section 110 Answer message search section 114 Original message search section 116 Terminal communication section 120 Database storage section 121 Original message storage section 123 Instructions Calligraphy storage unit 125 Answer message storage unit 127 Replacement message storage unit 129 Group information storage unit 14 Approver terminal 16 Operator terminal 18 Telephone / FAX server 20 Transfer source financial institution host computer 30 Transfer destination financial institution host computer

Claims (8)

It is the transfer management system of the first financial institution that processes the reinstatement of the transfer request made by the client, which involves the return of funds from the financial institution to which the transfer is made.
A storage unit that stores information indicating one or more second financial institutions,
An acquisition unit that acquires instruction information from the client that instructs how to process the repatriation money, which is the funds repatriated from the financial institution to which the transfer is made.
When the processing method instructed by the instruction information is a deposit to the account of the second financial institution indicated by the information stored in the storage unit, the funds of the repatriation money are returned from the financial institution of the transfer destination. After that, the message creation department that creates a deposit message requesting the deposit of the repatriation money to the account of the second financial institution, and
A transfer management system equipped with. The transfer management system according to claim 1, wherein the second financial institution is a financial institution having a tie-up relationship or a group relationship with the first financial institution. The transfer management system according to claim 2, wherein the second financial institution is a financial institution that shares the same host computer as the first financial institution. The transfer management system
It is further equipped with an instruction sheet creation unit that creates an instruction sheet including the instruction information based on the operation of the operator.
When the method of processing the repatriation money is deposit, the instruction sheet creating unit receives the input by the operator of the deposit destination by the first or more second financial institution indicated by the information stored in the storage unit. The transfer management system according to any one of claims 1 to 3, which is possible within the range of. The transfer management system
An approval screen including the display of the replacement message and the display of the processing method of the reimbursement amount instructed by the instruction information when the funds are returned by receiving the replacement message from the financial institution of the transfer destination. It also has a screen generator to generate
The transfer management system according to any one of claims 1 to 4, wherein the message creating unit creates the deposit message based on the approval operation performed on the approval screen. It is a transfer management device in the transfer management system of the first financial institution that processes the repatriation accompanied by the return of funds from the financial institution of the transfer destination for the transfer request made by the client.
A storage unit that stores information indicating one or more second financial institutions,
An acquisition unit that acquires instruction information from the client that instructs how to process the repatriation money, which is the funds repatriated from the financial institution to which the transfer is made.
When the processing method instructed by the instruction information is a deposit to the account of the second financial institution indicated by the information stored in the storage unit, the funds of the repatriation money are returned from the financial institution of the transfer destination. After that, the message creation department that creates a deposit message requesting the deposit of the repatriation money to the account of the second financial institution, and
A transfer management device. Computer,
It is a transfer management device in the transfer management system of the first financial institution that processes the repatriation accompanied by the return of funds from the financial institution of the transfer destination for the transfer request made by the client.
A storage unit that stores information indicating one or more second financial institutions,
An acquisition unit that acquires instruction information from the client that instructs how to process the repatriation money, which is the funds repatriated from the financial institution to which the transfer is made.
When the processing method instructed by the instruction information is a deposit to the account of the second financial institution indicated by the information stored in the storage unit, the funds of the repatriation money are returned from the financial institution of the transfer destination. After that, the message creation department that creates a deposit message requesting the deposit of the repatriation money to the account of the second financial institution, and
A program for functioning as a transfer management device. It is a method performed at the first financial institution that processes the reinstatement of the transfer request made by the client with the return of funds from the financial institution to which the transfer is made.
To store information indicating one or more second financial institutions in the storage unit,
Obtaining instruction information from the client instructing the processing method of the repatriation money, which is the funds repatriated from the financial institution of the transfer destination, and
When the processing method instructed by the instruction information is a deposit to the account of the second financial institution indicated by the information stored in the storage unit, the funds of the repatriation money are returned from the financial institution of the transfer destination. After that, create a deposit message requesting the deposit of the repatriation money to the account of the second financial institution.
Including methods.

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