JP5595077B2 - Exchange-destination data processing system - Google Patents

Description

  The present invention relates to an exchange-destination data processing system, and more particularly, to assistance for an approval action when an officer approves an operator's processing selection (payment, inquiry and return) for non-payable data.

  As a conventional exchange-destination data processing device, it is judged whether the reason for non-payment is minor, and if the reason is minor, it is treated as a branch office by determining whether there is a branch office registration. Or a reference message is transmitted, or a determination is made as to whether to create a replacement message for returning the transfer amount (for example, see Patent Document 1).

JP 2009-48318 A

  However, for transfer data that cannot be deposited by the host computer, if the reason for the inability to deposit is minor, in addition to inquiries and return processing, if the operator determines that the deposit is possible, the deposit is made to the host computer. It is necessary to send the data to request, but the judgment of whether or not to deposit is not only whether or not the difference shown in Patent Document 1 is one character, but actually Has a problem that it has to be judged according to various reasons.

  On the other hand, in general banking operations, there are many cases where the officers are required to confirm and approve the operation details of the operator. However, depending on the financial institution, thousands of non-payable data can be generated every day. In some cases, when checking with a limited number of officers in the administrative center, it is possible that the operator may miss an error in the processing selection simply by checking the details of the operator's operation. There was also a problem.

  Therefore, it is possible for the officers to easily determine the validity of the operator's processing selections, and to prevent the officers from mistakenly approving the operator's erroneous processing selection. A possible foreign exchange-targeted data processing system was desired.

  The exchange destination data processing system according to the present invention is communicable with a host computer, has storage means, and stores the exchange destination data received from the host computer that cannot be received as non-payment data. The center server that can be stored in the server and the center server is communicable, receives the non-payable data from the center server, and sends information on the processing selection for the non-payable data (hereinafter referred to as “approval request data”) to the center server. Office approval to send information to the center server (hereinafter referred to as "approval / return information") on whether to approve the processing selection for the non-payable data that can communicate with the operator processing terminal and the center server. And the center server is an operator. Based on the approval request data received from the processing terminal, approval waiting data that is information indicating that the process selection indicated by the approval request data is waiting for approval is generated, and the reliability of the process selection indicated by the approval waiting data is generated. Degree (hereinafter referred to as “reliability for approval processing”), and the approval processing reliability is sent to the officer approval terminal together with the approval waiting data, and the officer approval terminal receives the approval received from the center server. Based on the waiting data and the reliability for approval processing, approval / return information including the result information on whether or not to approve the process selection indicated by the approval waiting data is generated.

  According to the present invention, the officer can confirm the validity of the operator's determination based on the content of the process selection determined by the operator and the reliability of the process selection. It is possible to prevent the officials from approving the erroneously selected process selection, and to easily make the approval determination.

It is a block diagram of the exchange destination data processing system which concerns on Embodiment 1 of this invention. It is a functional block diagram in the exchange destination data processing system according to the first embodiment of the present invention. It is a flowchart which shows the flow of a process of the exchange destination data processing system which concerns on Embodiment 1 of this invention. It is a figure which shows the example of a structure of the process selection reference | standard information 36 in the exchange destination data processing system which concerns on Embodiment 1 of this invention. It is a figure which shows the example of a display of the waiting-for-approval data 33 and the reliability 34 by the terminal 5 for a board position approval in the exchange destination data processing system which concerns on Embodiment 1 of this invention. It is a flowchart which shows the flow of a process of the exchange destination data processing system which concerns on Embodiment 2 of this invention.

Embodiment 1 FIG.
(Structure of the exchange-destination data processing system)
FIG. 1 is a configuration diagram of the exchange destination data processing system according to the first embodiment of the present invention, and FIG. 2 is a functional block diagram of the exchange destination data processing system.
As shown in FIG. 1, the host computer 6 is connected to a center server 2 in the office center 1, and the center server 2 includes one or more operator processing terminals 4 in the office center 1, and One or more board approval terminals 5 are connected. The center server 2 includes a database 3 for storing various data such as non-payable data 31 described later.
The database 3 corresponds to “storage means” of the present invention.

  The host computer 6 transmits the exchange destination data received from the destination financial institution to the center server 2 in the office center 1 and receives a message including instructions for processing such as payment, return and inquiry from the center server 2. Then, processing is performed based on the message.

  The center server 2 accepts a transmission request for non-payable data 31 (to be described later) from the operator processing terminal 4, transmits the non-payable data 31, and sends a transmission request for approval waiting data 33 (to be described later) from the officer approval terminal 5. And approval waiting data 33 is transmitted. Further, as shown in FIG. 2, the center server 2 includes at least a non-payable data processing unit 21, an account inquiry processing unit 22, a position approval data processing unit 23, a message transmission processing unit 24, and a process selection criterion determination unit 25. Each functional block is provided. Details of the processing of these functional blocks will be described later.

  The database 3 is provided in the center server 2 as described above, and stores the non-payable data 31 and the approval waiting data 33 respectively received by the center server 2 from the operator processing terminal 4 and the position approval terminal 5. . Further, the database 3 stores process selection reference information 36 used for deriving the reliability of process selection in the approval waiting data 33.

The operator processing terminal 4 is operated by an operator, transmits a transmission request for the non-payable data 31 to the center server 2, and receives the non-payable data 31 as a response. Then, the operator selects the “payment”, “return” or “inquiry” process for the non-payable data 31 and the operator processing terminal 4 approves the approval of the officer for the process selection. Approval request data 32 as request information is transmitted to the center server 2. Here, “payment” is to carry out payment processing for the financial institution in accordance with the payment instruction from the destination financial institution, etc. “return” is the return of funds to the destination financial institution, etc. The process is to execute the process, and the “inquiry” is to execute a confirmation request for the transfer contents to the transfer person to the destination financial institution or the like. Further, as shown in FIG. 2, the operator processing terminal 4 includes at least functional blocks of a non-payable data request processing unit 41, a data processing selection / approval request processing unit 42, and a non-payable data display processing unit 43. . Details of the processing of these functional blocks will be described later.
Note that the above “deposit”, “return”, and “inquiry” are examples of process selection, and other processes may be included as options.

  The officer-approval terminal 5 is operated by the officer, and transmits a transmission request for approval-waiting data 33 to the center server 2 and receives the approval-waiting data 33 as a response. Then, a decision process selection of “approval” or “send back” for the approval waiting data 33 is made by the officer, and the board approval terminal 5 uses the decision process selection result as approval / return information 35 as approval / disapproval information. To the center server 2. Further, as shown in FIG. 2, the board position approval terminal 5 includes at least an approval waiting data request processing unit 51, an approval / return processing unit 52, and an approval waiting data display processing unit 53. Details of the processing of these functional blocks will be described later.

In FIG. 1, the four operator processing terminals 4 and the two officer approval terminals 5 are connected to the center server 2, but the present invention is not limited to this. A number of operator processing terminals 4 and officer approval terminals 5 may be connected to the center server 2.
In addition, as shown in FIG. 1, the host computer 6 is configured to be directly connected to the center server 2 in the office center 1, but the present invention is not limited to this. Any configuration can be used as long as it can communicate with the center server 2 in the office center 1 through a network such as a dedicated line or by wireless communication.
In addition, as shown in FIG. 1, the operator processing terminal 4 and the officer approval terminal 5 are configured to be directly connected to the center server 2, but the present invention is not limited to this. The terminal 4 and the role approval terminal 5 may be configured to be able to communicate with the center server 2 via a network such as a LAN (Local Area Network) or wirelessly.
As shown in FIG. 1, the board approval terminal 5 is arranged in the office center 1, but is not limited to this, and is not limited to this. It may be installed at the head office of the institution, etc. In this case, any configuration is possible as long as it can communicate with the center server 2 in the office center 1 via a network such as the Internet, a dedicated line, or by wireless communication. .

(Operation of exchange-destination data processing system)
FIG. 3 is a flowchart showing a processing flow of the exchange destination data processing system according to Embodiment 1 of the present invention, and FIG. 4 shows an example of the configuration of the processing selection reference information 36 in the exchange destination data processing system. FIG. 5 is a diagram showing a display example of the approval waiting data 33 and the reliability 34 by the officer approval terminal 5 in the exchange-destination data processing system. Hereinafter, the operation of the exchange destination data processing system according to the present embodiment will be described with reference to FIGS.

  First, the center server 2 in the office center 1 stores, in the database 3, non-payable data 31 as non-payable data among the exchange-destination data received from the host computer 6 from the destination financial institution. And Here, the transfer request information (including information such as transfer destination financial institution, account number, payee name, requester name, transfer amount, etc.) included in the received exchange target data by the account inquiry processing unit 22 of the center server 2 Based on the account number or the like, the account information stored in the database 3 is collated, and information that cannot be deposited due to a difference in recipients or the like is stored in the database 3 as non-payable data 31.

(S01)
The non-payable data request processing unit 41 of the operator processing terminal 4 transmits a transmission request for the non-payable data 31 and the like to the center server 2 based on the operation of the operator.
This transmission request may be automatically transmitted, for example, every predetermined period by the non-payable data request processing unit 41 of the operator processing terminal 4.

(S02)
The center server 2 receives the transmission request for the non-depositable data 31 from the operator processing terminal 4, and the non-depositable data processing unit 21 of the center server 2 receives the non-depositable data 31 that can be distributed from the database 3 based on the transmission request. Is read.

(S03)
The non-payable data processing unit 21 of the center server 2 displays the non-payable data 31 read from the database 3 and the result information of the account inquiry that is determined as non-payable for the non-payable data 31. 4 to send.
As described above, when the center server 2 receives a transmission request from the operator processing terminal 4 in step S01, the center server 2 reads the non-payable data 31 and sends the non-payable data 31 and the result information of the account inquiry. However, the present invention is not limited to this. When the non-payable data 31 exists in the database 3, the center server 2 automatically, for example, automatically sends the non-payable data 31 and the account every predetermined time. The inquiry result information may be transmitted to the operator processing terminal 4.

(S04)
The operator processing terminal 4 receives the non-payable data 31 and the account inquiry result information from the center server 2, and the non-payable data display processing unit 43 of the operator processing terminal 4 is at least the non-payable data 31 and the account inquiry result. The information is displayed on a screen provided in the operator processing terminal 4.
The screen provided in the operator processing terminal 4 corresponds to the “display means provided in the operator processing terminal” of the present invention.

(S05)
Based on the non-payable data 31 displayed on the screen of the operator processing terminal 4 and the account inquiry result information, the operator of the business center 1 performs “payment”, “return” or “ Select "Inquiry" process and request approval for that process. The data processing selection / approval request processing unit 42 of the operator processing terminal 4 generates approval request data 32 for requesting the approval based on the above processing selection by the operator, and transmits it to the center server 2.

(S06)
The center server 2 receives the approval request data 32 from the operator processing terminal 4 and stores it in the database 3 as approval wait data 33. Here, the approval request data 32 may include the non-payable data 31 and the account inquiry result information together with the approval request information for the processing selection by the operator in step S05, or the non-payable data 31 and the account inquiry. The result information may not be included, and may be information configured by approval request information for processing selection by the operator in step S05. At this time, when the approval request data 32 includes the non-payable data 31 and the account inquiry result information, the approval request data 32 may be stored in the database 3 as the approval waiting data 33 as it is. When the account inquiry result information is not included, the non-payable data 31 corresponding to the approval request information and the account inquiry result information are stored in the database 3 as approval waiting data 33 together with the approval request information. What should be done.

(S07)
The approval-waiting data request processing unit 51 of the officer-approval terminal 5 transmits a transmission request for the approval-waiting data 33 and the like to the center server 2 based on the operation of the officer.
The transmission request may be automatically transmitted, for example, every predetermined period by the approval waiting data request processing unit 51 of the board approval terminal 5.

(S08)
The center server 2 receives the transmission request for the approval wait data 33 from the board approval terminal 5, and the central office approval data processing unit 23 of the center server 2 waits for approval that can be distributed from the database 3 based on the transmission request. Data 33 is read out.

(S09)
The processing selection criterion determination unit 25 of the center server 2 waits for approval based on the content of the approval waiting data 33 read by the board approval data processing unit 23 and the processing selection criterion information 36 stored in the database 3. A reliability 34 for the process selection of the data 33 is derived. Here, the process selection criterion information 36 has a configuration as shown in FIG. 4, for example. In step S05, the office standards that the operator complies with when selecting a process are patterned, and “payment” is performed for each pattern. , “Return” and “Inquiry” processing selections are weighted by a ratio. The process selection criterion determination unit 25 determines which pattern in the process selection criterion information 36 matches with the approval waiting data 33, and sets the reliability 34 for the process selection of the approval waiting data 33 based on the matching pattern. To derive. For example, when the account inquiry result information of the approval waiting data 33 indicates that “the department is different”, the reliability 34 is determined by the process selection criterion determination unit 25 by the process selection criterion information shown in FIG. Pattern No. 36 in FIG. It is determined that it matches “8”, and “Deposit 0%, Return 80%, Inquiry 20%” is derived. At this time, if there are a plurality of matching patterns, the average value of the weights of the patterns may be calculated and the average value may be set as the reliability level 34.
The reliability 34 corresponds to the “reliability for approval processing” of the present invention.

(S10)
The role approval data processing unit 23 of the center server 2 transmits the approval waiting data 33 and the reliability 34 derived by the process selection criterion determination unit 25 to the role approval terminal 5.
As described above, when the center server 2 receives a transmission request from the officer approval terminal 5 in step S07, the center server 2 reads the approval waiting data 33 and transmits the approval waiting data 33 and the reliability 34. However, the present invention is not limited to this. When the approval waiting data 33 exists in the database 3, the center server 2 automatically sets the approval waiting data 33 and the reliability 34, for example, every predetermined time. It may be transmitted to the board approval terminal 5.

(S11)
The board approval terminal 5 receives the approval waiting data 33 and the reliability 34, and the approval waiting data display processing unit 53 of the board approval terminal 5 at least uses the approval waiting data 33 and the reliability 34. It is displayed on a screen provided in the seat approval terminal 5. FIG. 5 shows a display example. As shown in FIG. 5, the display unit 401 displays the transfer request information in the approval waiting data 33, the display unit 402 displays the account inquiry result information in the approval waiting data 33, and the display unit 403 displays the approval waiting data. The processing selection of the approval request information in the data 33 is displayed, and the display unit 404 displays the reliability 34.
It should be noted that the screen provided in the board approval terminal 5 corresponds to the “display means provided in the board approval terminal” of the present invention.

(S12)
When the officer determines that there is no problem in the processing selection of the approval waiting data 33 based on the approval waiting data 33 and the reliability 34 displayed on the screen of the terminal 5 for terminal approval, “approval”, On the other hand, if it is determined that there is a problem in the process selection, the “return” determination process is selected. The approval / send-back processing unit 52 of the officer-approval terminal 5 transmits the result of the determination process selection by the officer as the approval / send-back information 35 to the center server 2.

(S13)
The center server 2 receives the approval / return information 35 from the board approval terminal 5, and if “approval” is selected in the approval / return information 35, the process proceeds to step S14. On the other hand, if “send back” is selected, the process proceeds to step S15.

(S14)
The message transmission processing unit 24 of the center server 2 requests the host computer 6 for a deposit process when the process selection is “deposit” based on the approval / return information 35 in which “approval” is selected. If the process selection is “Return”, a transfer message for requesting the return of the transfer amount to the destination financial institution, and if the process selection is “Inquiry” Send inquiry message to request the inquiry process. When the host computer 6 receives a deposit instruction message from the center server 2, the host computer 6 performs a deposit process, and when a replacement message is received, the transfer amount is returned to the destination financial institution, and an inquiry message is sent. When it is received, the inquiry process for the transfer details is performed.

(S15)
When “return” is selected in the received approval / return information 35, the center server 2 re-registers the portion of the non-payable data 31 in the approval waiting data 33 corresponding to the approval / return information 35 with the database 3 again. Remember me. Then, the non-payable data 31 stored again in the database 3 is transmitted from the center server 2 to the operator processing terminal 4 when the processes in steps S01 to S03 are performed.

(Effect of Embodiment 1)
With the above-described configuration and operation, the officer can determine the operator's decision based on the content of the process selection determined by the operator displayed on the screen provided in the terminal 5 for approval of the position and the reliability of the process selection. The validity of the judgment can be confirmed.
In addition, the officers can prevent the officers from mistakenly approving the processing selections mistakenly determined by the operator based on the reliability of the processing selections by the operators, and the approval decision can be made easily. Can be done.

  In the above operation, in step S11, the approval waiting data 33 and the reliability 34 are displayed on the screen of the board approval terminal 5; however, the present invention is not limited to this. The contents of the business standard pattern corresponding to 33, that is, the contents of the process selection standard information 36 may also be displayed. Thus, the officer can quickly grasp what kind of error the approval waiting data 33 has become impossible to deposit, and can further improve the efficiency of the approval determination.

Embodiment 2. FIG.
The exchange-targeted data processing system according to the present embodiment has the same configuration as that of the system according to the first embodiment, and the operation will be described mainly with respect to differences from the system according to the first embodiment.

(Operation of exchange-destination data processing system)
FIG. 6 is a flowchart showing the flow of processing of the exchange-destination-data processing system according to Embodiment 2 of the present invention. Hereinafter, with reference to FIG. 6, the operation of the exchange destination data processing system according to the present embodiment will be described with a focus on differences from the operation of the system according to the first embodiment shown in FIG.

  The process of step S01 shown in FIG. 6 is the same as the process of step S01 shown in FIG. 3 in the first embodiment.

(S02a)
The center server 2 receives the transmission request for the non-depositable data 31 from the operator processing terminal 4, and the non-depositable data processing unit 21 of the center server 2 receives the non-depositable data 31 that can be distributed from the database 3 based on the transmission request. Is read. Then, the process selection criterion determination unit 25 of the center server 2 reads the contents of the non-payable data 31 read by the non-payable data processing unit 21 and the account reference that is determined to be non-payable for the non-payable data 31. Based on the result information and the process selection criterion information 36 stored in the database 3, the reliability 34a for the process selection to be performed on the non-payable data 31 is derived. The process selection criterion determination unit 25 determines which pattern in the process selection criterion information 36 the result information of the account reference that is determined to be non-depositable for the non-payable data 31 matches the pattern that matches. Based on the above, the reliability 34a for the process selection to be performed on the non-payable data 31 is derived. For example, when the result information of the account inquiry indicates that “the department is different”, the reliability 34a is determined by the process selection criterion determination unit 25 by the pattern number in the process selection criterion information 36 shown in FIG. . It is determined that it matches “8”, and “Deposit 0%, Return 80%, Inquiry 20%” is derived. At this time, when there are a plurality of matching patterns, an average value of the weights of the patterns may be calculated and the average value may be set as the reliability 34a.
The reliability 34a corresponds to the “process selection reliability” in the present invention.

(S03a)
The non-payable data processing unit 21 of the center server 2 includes non-payable data 31 read from the database 3, account inquiry result information that is determined to be non-payable for the non-payable data 31, and processing selection criterion judgment The reliability 34 a derived by the unit 25 is transmitted to the operator processing terminal 4.
As described above, when the center server 2 receives the transmission request from the operator processing terminal 4 in step S01, the center server 2 reads the non-payable data 31, the non-payable data 31, the account inquiry result information, and the trust However, the present invention is not limited to this. When the non-payable data 31 exists in the database 3, the center server 2 automatically sends non-payable data, for example, every predetermined time. 31, the result information of the account inquiry, and the reliability 34 a may be transmitted to the operator processing terminal 4.

(S04a)
The operator processing terminal 4 receives the non-payable data 31, the account reference result information, and the reliability 34 a from the center server 2, and the non-payable data display processing unit 43 of the operator processing terminal 4 includes at least the non-payable data. 31, account inquiry result information, and reliability 34 a are displayed on the screen provided in the operator processing terminal 4.
The screen provided in the operator processing terminal 4 corresponds to the “display means provided in the operator processing terminal” of the present invention.

(S05a)
Based on the non-payable data 31 displayed on the screen of the operator processing terminal 4, the account inquiry result information and the reliability 34 a, the operator of the business center 1 makes the “payment”, “return” or “ Select "Inquiry" process and request approval for that process. The data processing selection / approval request processing unit 42 of the operator processing terminal 4 generates approval request data 32 for requesting the approval based on the above processing selection by the operator, and transmits it to the center server 2.
In addition, it is not limited to the operation | movement which the process selection with respect to the non-payable data 31 is made by an operator based on the non-payable data 31, the account inquiry result information, and the reliability 34a as described above. Based on the inquiry result information and the reliability 34a, the data processing selection / approval request processing unit 42 may automatically perform processing selection for the non-payable data 31. Alternatively, the center server 2 may automatically perform processing selection for the non-payable data 31 based on the non-payable data 31, the account inquiry result information, and the derived reliability 34a. By doing so, it is possible to delete the work load of the operator's process selection, and it is possible to promptly implement an appropriate process selection based on the reliability 34a for the non-payable data 31.

  The processes in steps S06 to S15 shown in FIG. 6 are the same as the processes in steps S06 to S15 shown in FIG. 3 in the first embodiment, respectively.

(Effect of Embodiment 2)
With the above configuration and operation, it becomes possible for the operator who performs the process selection in the operator processing terminal 4 to confirm the reliability, thereby suppressing an error in the operator's process selection and the process. Selection can be easily determined. In particular, it can be expected to reduce errors in processing selection by operators with low skills.

  1 office center, 2 center server, 3 database, 4 operator processing terminal, 5 office approval terminal, 6 host computer, 21 non-payable data processing section, 22 account inquiry processing section, 23 office approval data processing section, 24 Message transmission processing unit, 25 processing selection criterion judgment unit, 31 non-payable data, 32 approval request data, 33 approval waiting data, 34, 34a reliability, 35 approval / return information, 36 processing selection criterion information, 41 non-payable data request Processing unit, 42 Data processing selection / approval request processing unit, 43 Non-payable data display processing unit, 51 Approval waiting data request processing unit, 52 Approval / return processing unit, 53 Approval waiting data display processing unit, 401 to 404 Display unit.

Claims (12)

A center server that is communicable with a host computer, has storage means, and stores in the storage means non-payable information of exchange-destination data received from the host computer as non-payable information;
An operator processing terminal that is communicable with the center server, receives the non-payable information from the center server, and transmits approval request information regarding processing selection made to the non-payable information to the center server;
A terminal for terminal approval, which is communicable with the center server, and transmits approval approval / disapproval information as to whether to approve the processing selection for the non-payable information to the center server;
With
The center server, based on the approval request information received from the operator processing terminal, generates approval waiting information that is information indicating that the processing selection indicated by the approval request information is waiting for approval, Deriving the reliability for approval processing that is the reliability of the process selection indicated by the approval waiting information, and transmitting the reliability for approval processing together with the approval waiting information to the terminal for terminal approval,
As a result of determining whether to approve the processing selection indicated by the approval waiting information based on the approval waiting information received from the center server and the approval processing reliability, The exchange-destination data processing system characterized by generating the approval / disapproval information including information. The center server derives the approval processing reliability based on processing selection criteria information in which factors of non-payment in the non-payment information are patterned and weighted for process selection for the pattern. The exchange-targeted data processing system according to claim 1. The board approval terminal includes display means,
The display means displays at least the transfer request information indicated by the approval waiting information, the content of the process selection, and the reliability for the approval process. The exchange-destination data processing system described. The center server derives the approval process reliability based on process selection criterion information in which factors of non-payment in the non-payment information are patterned and weighted for process selection for the pattern. The process selection criterion information is transmitted to the board approval terminal together with the approval waiting information .
The board approval terminal includes display means,
The display means displays at least the transfer request information indicated by the approval waiting information and the content of the process selection, and the reliability for the approval process, and further displays the process selection criterion information. The exchange-targeted data processing system according to claim 1 . The center server, when receiving a transmission request from the operator processing terminal, reads the non-payment information from the storage means and transmits the information to the operator processing terminal. The exchange-destination data processing system according to any one of the above. The center server is
Storing the generated approval waiting information in the storage means;
6. When receiving a transmission request from the officer seat approval terminal, the approval waiting information is read from the storage means and transmitted to the officer approval terminal. The data processing system for exchange-destination described in 1. When the approval / disapproval information received from the board approval terminal indicates that the processing selection is approved, the center server transmits a message for executing the approved processing to the host computer. The exchange-destination data processing system according to any one of claims 1 to 6, wherein If the approval / disapproval information received from the board approval terminal indicates that the processing selection is not approved, the center server stores the non-payment information corresponding to the approval / disapproval information in the storage unit again. The exchange-destination data processing system according to any one of claims 1 to 7, characterized in that: The center server derives a process selection reliability that is a reliability of the process selection to be performed on the non-payable information, and transmits the process selection reliability to the operator processing terminal together with the non-payable information. And
The operator processing terminal includes, at least, the approval request information including the result information that the processing selection for the non-payable information is performed based on the non-payable information received from the center server and the process selection reliability. The exchange-destination data processing system according to any one of claims 1 to 8, wherein: The center server derives the reliability for process selection based on process selection criteria information in which factors of non-payment in the non-payment information are patterned and weighted for process selection for the pattern. The exchange-destination data processing system according to claim 9. The operator processing terminal includes display means,
The exchange-destination data processing system according to claim 9 or 10, wherein the display means displays at least the non-payment information and the processing selection reliability. The process selection is one selected from a deposit process, a process for returning funds to a destination institution, or an inquiry process for requesting the destination institution to confirm the details of the transfer to the transfer party. The exchange-destination data processing system according to any one of claims 1 to 11.

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