JP5895530B2 - Transfer management system, transfer management server, method, and program - Google Patents

Description

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

  For example, when a customer makes a foreign exchange request such as a transfer at a financial institution, the host owned by the financial institution of the transfer destination (also referred to as the destination) from the host computer of the financial institution of the transfer source (also referred to as the destination) A transfer message is sent to the computer. Then, automatic depositing processing is performed in a host computer possessed by the financial institution on the destination side.

  However, if there is an error in the contents of the transfer message (for example, an error such as an account number or a payee name), the destination side cannot perform automatic deposit processing for the specified account. In this case, the host computer on the destination side sends a message indicating that automatic payment is not possible (a non-payable message) to a computer or the like at the branch office designated by the transfer message. Check your account.

  The person in charge of confirming the contents performs the deposit process from the terminal device if the confirmation is obtained, and if the confirmation is not obtained, the destination confirmation financial statement including the account number, name, cause of the automatic deposit failure as data, etc. Send to the institution's host computer and make an inquiry.

  At the destination sales office that receives the inquiry message sent from the destination side via the host computer of the destination side financial institution, the customer inquiry representative specifies the specified account by telephone or the like to the relevant transfer requester Notify that payment is not possible. Then, after receiving an instruction for correction or recombination from the transfer requester, the person in charge of the inquiry transmits the result as a reply message to, for example, the contents confirmation person in charge on the destination side.

  In the following Patent Document 1, a centralized exchange agent processing system including a contact device that performs an inquiry operation to a transfer client who has been performed by an inquiry person in each destination sales office is proposed. .

JP 2007-179205 A

  However, the destination side has to wait for a reply message to be returned based on the result confirmed by the destination side after sending the inquiry message, and the destination side cannot manage the reply date.

  For example, if the response date of an inquiry message is exceeded, the operator can manually create and send a money return message at each branch office, but this is a heavy workload and hinders normal operations performed at the branch office. Could occur. In addition, there is a possibility that the confirmation of the response date by manual operation may result in omission of confirmation, and post-processing of the untransferred payment message (the exchange message on the destination side) that has become unanswered may remain unprocessed. .

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved transfer management system and transfer that can improve transfer management on the destination side. To provide a management server, a method, and a program.

In order to solve the above-described problem, according to a certain aspect of the present invention, when it is determined that a transfer message that cannot be deposited is not a target of inquiry to the destination side, a first replacement message for the transfer message is created. When it is determined that the transfer message creation unit, the transfer message transmission unit that transmits the first transfer message to the destination host, and the transfer message that cannot be deposited, are to be referred to the destination side. Set the inquiry message creation unit that creates an inquiry message for inquiring about the contents of non-payable transfer messages , the inquiry message transmission unit that sends the created inquiry message to the destination host, and the response date for the inquiry message A setting unit that manages whether or not the response date has been exceeded, and a management unit that notifies the entry terminal that the response date has been exceeded if the response date has been exceeded , the replacement message creation unit , the times After exceeded due date, when receiving money return instruction from the entry terminal, create a second Distribution message marked with inquiry content shown in the inquiry message as a return reasons, the Distribution Data transmission section, transmitting the second Distribution message to the destination side host receives the transfer management server, a receiver for receiving a notification of answer overdue from the transfer management server, the money return instruction for notifying of the answer overdue There is provided a transfer management system comprising an entry terminal having a reception unit and a transmission unit that transmits the received funds return instruction to the transfer management server.

Moreover, in order to solve the said subject, according to the other viewpoint of this invention, when it is determined that it is not a reference object to the destination side about the non-payable transfer message, the first replacement message for the transfer message It is determined that the transfer message creation unit for generating the transfer message, the transfer message transmission unit for transmitting the first transfer message to the destination host, and the transfer message that cannot be deposited are to be referred to the destination side. An inquiry message creating unit for creating an inquiry message for inquiring about the contents of the non-payable transfer message , an inquiry message sending unit for sending the created inquiry message to the destination host, and an answer to the inquiry message A setting unit for setting a due date and a management unit for managing whether or not the answer due date has been exceeded, and the attached message creation unit returns funds that have become non-payable after the answer due date has been exceeded. the second force of the for The message, the created given the query contents shown in the query message as a return reasons, the Distribution message transmission unit transmits the second Distribution message to the destination side host, the transfer management server provides Is done.

  In addition, the supplementary message creation unit may create a message indicating that the funds are to be returned for the inquiry reason of the inquiry message.

In addition, the management unit notifies the entry terminal of a list of non-payable transfer messages that have exceeded the reply date of the inquiry message, and the replacement message creation unit receives a fund return instruction from the entry terminal. The second replacement message may be created in a batch, and the replacement message transmission unit may collectively send the replacement message created by the replacement message creation unit to the destination host.

In addition, when the reply message creation unit exceeds the reply date, the second message is created in a batch, and the message sending unit is a batch created by the delivery message creation unit. A replacement message may be sent to the destination host in a batch.

In order to solve the above-mentioned problem, according to another aspect of the present invention, when it is determined that the processor is not subject to the inquiry to the destination side for a non-payable transfer message, the first for the transfer message The step of creating a replacement message, the step of sending the first replacement message to the destination host, and the non-payable transfer message, when it is determined that it is an object of inquiry to the destination side, the payment is impossible Creating a query message for querying the contents of the transfer message , sending the created query message to the destination host, setting a reply date for the query message, and reply date a step of managing whether exceeded, after exceeding the reply date, the second Distribution message to return the funds becomes impossible payment, the query shown in said query message The includes the steps of creating denoted as return reason, and transmitting the second Distribution message to the destination side host, a transfer management method is provided.

Moreover, in order to solve the said subject, according to the other viewpoint of this invention, when it is determined that it is not a reference object to the destination side about the non-payable transfer message, the first replacement message for the transfer message , A process of sending the first replacement message to the destination host, and a non-payable transfer message when it is determined that it is an inquiry target to the destination side. A process for creating a query message for querying the contents of the message, a process for sending the created query message to the destination host, a process for setting a reply date for the query message, and whether the reply date has been exceeded A process for managing whether or not, and a second replacement message for returning funds that have become non-payable after exceeding the reply date, with the inquiry content shown in the inquiry message as the reason for return Processing to A process of transmitting the second Distribution message to the destination side host, causes the computer to execute, the program is provided.

  As described above, according to the present invention, transfer management on the destination side can be improved.

It is the figure which showed the whole structure containing the transfer management system by one Embodiment of this invention. It is a block diagram which shows the structure of the transfer management server by one Embodiment of this invention. It is a sequence diagram which shows the management process with respect to the non-payable message | telegram by the 1st Embodiment of this invention. It is a sequence diagram which shows the management process at the time of the reply deadline by the 1st Embodiment of this invention. It is a figure which shows an example of the determination screen by the 1st Embodiment of this invention. It is a figure which shows an example of the fund return instruction | indication screen by the 1st Embodiment of this invention. It is a figure which shows the example of the content of the replacement message by the 1st Embodiment of this invention. It is a sequence diagram which shows the process at the time of the reply deadline by the 2nd Embodiment of this invention.

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

<1. Overview of transfer management system>
FIG. 1 is a diagram showing an overall configuration including a transfer management system for a destination financial institution or the like according to an embodiment of the present invention. As shown in FIG. 1, a host computer 11 (hereinafter referred to as a destination host 11) such as a financial institution on the transfer side (destination side) is a host computer such as a financial institution on the transfer destination (destination side). 15 (hereinafter referred to as the destination-side host 15) via the dedicated network 13. Further, the destination-side host 15 is connected to the management server 20 of the transfer management system 19 via the network 17 on the destination side.

  The transfer management system 19 includes a management server 20 and one or more entry PCs (personal computers) 30.

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

  However, if the account number on the transfer message does not exist in the ledger at the destination host 15 or if the name of the account holder in the ledger and the name of the recipient on the transfer message do not match, Automatic deposit is determined to be an error. When the automatic deposit is an error, the destination-side host 15 transmits a non-payable message to the transfer management system 19 that performs centralized transfer management via the network 17 on the destination side.

  The transfer management system 19 performs a process for determining whether or not payment is possible for a non-payable message, and creates an inquiry message when making an inquiry to the transfer client as a result of the determination process. The inquiry message created in the transfer management system 19 is transmitted to the destination host 11 via the destination-side host 15 and the dedicated network 13.

  One embodiment of the present invention relates to the above-described transfer management system 19, and in particular, as a post-process for a query message for a transfer message that cannot be deposited in the management server 20 included in the transfer management system 19, a replacement message for returning funds. Related to creation control. Hereinafter, after describing the basic configuration of the transfer management system 19 according to an embodiment of the present invention, each embodiment of the present invention will be described in detail.

<2. Basic configuration>
As described above, the transfer management system 19 according to the present embodiment includes the management server 20 and the entry PC 30. Hereinafter, each configuration of the management server 20 and the entry PC 30 will be sequentially described in detail with reference to FIG. FIG. 2 is a block diagram showing the configuration of the management server 20 and the entry PC 30 included in the transfer management system 19 according to the present embodiment.

[2-1. Management server 20]
As illustrated in FIG. 2, the management server 20 includes a communication unit 21, a message creation unit 22, a date setting unit 24, a date management unit 25, and a message content DB 26.

  The communication unit 21 is an interface for transmitting / receiving information to / from other devices. More specifically, the communication unit 21 according to the present embodiment receives a non-payable message or a reply message from the destination host 15 via the network 17 on the destination side, and transmits the non-payable message to the entry PC 30. . In addition, the communication unit 21 receives a deposit instruction, a fund return instruction, a content inquiry instruction, and the like from the entry PC 30, and transmits a deposit message, a replacement message, a query message, and the like to the destination host 11.

  In response to an instruction from the entry PC 30, the message creation unit 22 uses the data stored in the message content DB 26 to create a deposit message, a replacement message, an inquiry message, and the like. For example, when receiving a deposit instruction including an item whose error has been corrected by the operator's judgment from the entry PC 30, the telegram creating unit 22 creates a deposit telegram for making a transfer deposit to the target account.

  In addition, the message creation unit 22 creates a replacement message for returning funds that cannot be deposited when it is not possible to deposit money and there is no need to inquire the destination host 11 for reasons such as canceling a course. . In addition, the message creation unit 22 creates a query message when making a query to the destination host 11 for reasons such as an inability to deposit money and a name holder error.

  The message created by the message creation unit 22 in this way is transmitted to the destination host 11 via the communication unit 21.

  The due date setting unit 24 sets a reply due date of the inquiry message created by the message creating unit 22 and transmitted to the destination host 11. For example, the due date setting unit 24 may uniformly set the reply due date of the inquiry message after a predetermined number of days.

  The due date management unit 25 manages the answer due date set by the due date setting unit 24. More specifically, the due date management unit 25 determines that the reply due date has been exceeded when the reply message has not been received from the destination host 11 by the reply due date set by the due date setting unit 24, and the due date is entered in the entry PC 30. Notification of.

  The message content DB 26 is a database that stores data for creating a message such as a deposit message, a replacement message, and an inquiry message. For example, the message content DB 26 stores an inquiry message example and a replacement message example corresponding to the cause of non-payment.

  The configuration of the management server 20 according to the present embodiment has been described in detail above. Next, the configuration of the entry PC 30 will be described.

[2-2. Entry PC30]
As shown in FIG. 2, the entry PC 30 includes a communication unit 31, a control unit 32, a display unit 33, and an operation input unit 35.

  The communication unit 31 is an interface for transmitting and receiving information to and from other devices. More specifically, the communication unit 31 according to the present embodiment receives a non-payable message from the management server 20 and transmits a deposit instruction, a fund return instruction, a content inquiry instruction, and the like to the management server 20.

  The control unit 32 corresponds to a processor such as a CPU (Central Processing Unit). The control unit 32 operates various functions by executing a program stored in a storage unit (not shown) or another storage medium. For example, the control unit 32 functions as a communication control unit that controls the communication unit 31, a display control unit that controls the display unit 33, a reception unit that receives an operator operation detected by the operation input unit 35, and the like.

  The display unit 33 is a display module configured by an LCD (Liquid Crystal Display), an OLED (Organic light-Emitting Diode), a CRT (Cathode Ray Tube), or the like. Based on the control by the control unit 32, the display unit 33 according to the present embodiment displays a process determination screen for accepting / rejecting money, a list screen for inquiry messages exceeding the answer due date, and the like.

  The operation input unit 35 includes input means for a user to input information, such as a mouse, a keyboard, and a touch panel, and an input control circuit that generates an input signal based on an input by an operator and outputs the input signal to the control unit 32. ing. The operator can instruct a transfer deposit instruction, a fund return instruction, a content inquiry instruction, and the like by operating the operation input unit 35.

  In the above, each structure of the transfer management system 19 by one Embodiment of this invention was demonstrated in detail. Subsequently, an operation process of the transfer management system 19 according to an embodiment of the present invention will be described with a plurality of embodiments.

<3. Each embodiment>
[3-1. First Embodiment]
The operation processing according to the first embodiment of the present invention will be described below with reference to FIGS. First, the management process for a non-payable message will be described with reference to FIG. 3, and the management process for when the response date is exceeded will be described with reference to FIG.

(Send inquiry message)
FIG. 3 is a sequence diagram showing a management process for a non-payable message according to the first embodiment of the present invention. As shown in FIG. 3, first, in step S <b> 103, the destination host 11 transmits a transfer message to the destination host 15 as a transfer destination based on a request from the transfer requester.

  The destination-side host 15 that has received the transfer message confirms the contents of the transfer message by referring to the ledger (customer information DB), and performs payment processing to the target account. At this time, if the account number does not exist or the name of the account holder does not match the name on the transfer message, automatic payment to the target account results in an error. In this case, in step S <b> 106, the destination-side host 15 transmits a non-payable message to the management server 20 of the transfer management system 19.

  The management server 20 stores the received non-payable message data and transmits the non-payable message to the entry PC 30 in step S109.

  Next, in step S110, the entry PC 30 displays a determination screen on the display unit 33 based on the non-payable message, and accepts a response corresponding to the content of the deposit error determined by the operator from the operation input unit 35.

  An example of the determination screen displayed on the entry PC 30 is shown in FIG. As shown in FIG. 5, the determination screen 40 includes a screen 41 for displaying information on a non-payable message, a screen 43 for displaying a ledger inquiry result, and a screen 45 for inputting a response (instruction) based on the operator's judgment. .

  On the screen 41 shown in FIG. 5, the contents of the transfer message, the reason for the payment error, and the account information are displayed as information of the non-payable message. In the example shown on the screen 41, the recipient “XX □□” on the transfer message does not match the account name “XX □ △”, so the error reason is “Simeisoui (name difference)”.

  Further, the screen 43 shown in FIG. 5 displays a search result obtained by searching the ledger according to the subject / account number on the transfer message or the name of the Kana. The search result data is included in the non-payable message transmitted from the destination host 15 as a result of searching the customer information DB based on the contents of the transfer message in the destination host 15. It may be data.

  In the example shown on the screen 43, as a result of searching the ledger based on the subject / account number “F1234567” on the transfer message, “subject / account number: normal / 1234566, recipient Kana name: XX Is displayed. The operator confirms the ledger search result displayed on the screen 43 in this way, the contents of the transfer message displayed on the screen 41, etc., and determines the correspondence of the payment error.

  On the screen 45 shown in FIG. 5, a response (instruction) based on the judgment of the operator is input. Specifically, the operator selects an error response (instruction) from the selection items displayed as “Processing selection” on the screen 45, for example, deposit, return, inquiry, and store transfer, according to the operator's judgment.

  Here, when “inquiry” is selected, as shown in FIG. 5, selection items of detailed instruction contents such as difference in name, difference in number, no corresponding course, etc. are displayed on the screen 45 as shown in FIG. . The screen 45 displays the contents of the inquiry message automatically created according to the selected instruction contents as “inquiry contents”.

  In the example shown in FIG. 5, “name difference” is selected from the selection items of the detailed instruction contents, and “Oyster Gaitou Koza Meigisowiniki Oshirabeko 22-05-29 Frikomi ¥ 1,200,000. 1234567 ○○ □□ (I) △△ XX ”(please check for differences in account names below) is automatically created.

  The determination screen 40 displayed on the entry PC 30 has been described in detail above with reference to FIG. Next, returning to the sequence diagram of FIG. 3, the description of the management process by the transfer management system 19 will be continued.

  In step S112, for example, when the error content is confirmed to be a slight difference or the like, the operator determines that the deposit is OK, and performs an operation of selecting “deposit” in the process selection on the screen 45 described above.

  Next, in step S115, the entry PC 30 notifies the management server 20 of a deposit instruction when “deposit” is selected by the operator in step S112.

  Next, in step S118, the management server 20 receiving the deposit instruction creates a deposit telegram for performing deposit processing.

  Next, in step S <b> 121, the management server 20 transmits the created deposit electronic message to the destination-side host 15. The destination-side host 15 performs a deposit process based on the deposit message received from the management server 20.

  On the other hand, if the error content is cancellation of the target account or an error in the name of the right holder in step S112, the operator determines that the deposit is NG.

  Next, in step S124, it is determined by the operator whether or not it is a content inquiry target. If the error content is clearly incapable of deposit such as cancellation of the target account, the operator determines that the content is not subject to inquiry, and performs an operation of selecting “return” in the process selection on the screen 45 described above.

  Next, in step S117, the entry PC 30 notifies the management server 20 of a money return instruction when it is determined that the operator is not subject to content inquiry in step S124 and “return” is selected.

  Next, in step S120, the management server 20 that has received the funds return instruction creates a replacement message for returning the funds. Specifically, for example, “Oyster Gaitou Koza Kaiyakuzu Minitsuki Henkyaku 22-05-29 Frikomi ¥ 1,200,000. (U) F 1234567 ○○ □□ (I) △△ XX” (The following corresponding account has been canceled) A return message is created.

  Next, in step S <b> 123, the management server 20 transmits the created replacement message to the destination host 11 via the destination host 15. The destination host 11 performs a process of returning the money that has become non-payable to the transfer requester based on the replacement message received from the management server 20.

  On the other hand, in step S124, the operator determines that the content of the error needs to be inquired to the destination host 11 such as the name of the nominee, and selects the processing on the screen 45 described above. The operation of selecting “inquiry” is performed at.

  Next, in step S126, the entry PC 30 notifies the management server 20 of a content inquiry instruction when the operator determines that the content is to be inquired in step S124 and “inquiry” is selected.

  Next, in step S129, the management server 20 that has received the content inquiry instruction creates an inquiry message for inquiring the content. Specifically, for example, the management server 20 creates an inquiry message with the inquiry content displayed on the screen 45 in FIG.

  Next, in step S <b> 132, the management server 20 transmits the created inquiry message to the destination host 11 via the destination host 15. Based on the inquiry message received from the management server 20, the destination-side host 11 inquires the transfer requester whether to correct the transfer message or to cancel the transfer (return of funds).

  Subsequently, when a reply message to the inquiry message is sent from the destination host 11 to the transfer management system 19 via the destination host 15 in step S135, the entry PC 30 sends the sent reply in step S136. The contents of the electronic message are displayed on the display unit 33, and the process determination of steps S112 and S124 is performed again.

  When the inquiry message is transmitted to the destination host 11 in step S132, the management server 20 sets a response date for the inquiry message, and the response message is received from the destination host 11 by the response date. Manage whether or not.

  Next, the management process in the transfer management system 19 when the reply message is not sent by the reply date managed by the management server 20 and the reply date is exceeded will be described with reference to FIG.

(Reply date exceeded)
FIG. 4 is a sequence diagram showing management processing when an answer due date is exceeded according to the first embodiment of the present invention. As shown in FIG. 4, first, in step S141, the management server 20 determines whether or not the reply date set for the inquiry message has been exceeded.

  Next, in step S144, when the reply date set for the inquiry message has exceeded, the management server 20 notifies the entry PC 30 of the due date. Here, the management server 20 may notify a list of excess response due dates when there are a plurality of transfer messages that have exceeded the response due date of the inquiry message.

  Next, in step S147, the entry PC 30 performs confirmation processing by the operator. More specifically, for example, a list of non-payable transfer telegrams for which the reply date of the query telegram notified from the management server 20 has been exceeded is displayed on the display unit 33, and a fund return instruction is given at the operator's discretion.

  Here, an example of the fund return instruction screen displayed on the entry PC 30 is shown in FIG. As shown in FIG. 6, the funds return instruction screen 50 includes a list 51 of non-payable transfer messages notified from the management server 20 and exceeding the reply date of the inquiry message, and a send button 53.

  A list 51 is a list of non-payable transfer messages (hereinafter also referred to as non-payable messages) for which no response message was sent by the reply date. For example, the reference number, the destination host 15 received the transfer message. Date / time, amount, processing status, financial institution name, store name, etc. are included.

  The send button 53 is a button for instructing the return of funds for all overdue non-payable messages listed in the list 51 (creating and transmitting a replacement message). The previous transmission date is the date when the previous lump sum funds return processing was performed for the non-payable non-payable message.

  In step S150 of FIG. 4, the entry PC 30 confirms an overdue non-payable message and notifies the management server 20 of a fund return instruction when the send button 53 is selected.

  Next, in step S153, the management server 20 that has received the funds return instruction creates a replacement message for returning the funds. In addition, the management server 20 creates the wording of the replacement telegram using the inquiry content indicated in the inquiry telegram as the return reason. Thus, for example, the management server 20 creates a replacement telegram message based on the reason for return as shown in FIG.

  Next, in step S <b> 156, the management server 20 transmits the created replacement message to the destination side host 11 via the destination side host 15. The destination host 11 performs a process of returning the money that has become non-payable to the transfer requester based on the replacement message received from the management server 20.

  As described above, according to the first embodiment of the present invention, the response date of the inquiry message for inquiring the contents of the transfer message that cannot be deposited is managed. Notify the entry PC 30. Then, in response to a fund return instruction from the entry PC 30, a replacement telegram for returning funds is created and transmitted to the destination host 11.

  In this way, by managing the reply date of the inquiry message that inquires about the contents of the non-payable transfer message, and when the due date is exceeded, the funds are returned in a lump, and in this embodiment, the transfer message that has become non-payable Post-processing can be more reliably performed. This also makes it possible to improve transfer management on the destination side.

[3-2. Second Embodiment]
In the first embodiment, as shown in steps S144 to S153 of FIG. 4, when a fund return instruction is received from the entry PC 30 for a non-payable transfer message for which the reply date of the inquiry message has exceeded, the management server At 20, a fund return process is performed.

  However, the management process at the time of overdue according to an embodiment of the present invention is not limited to this. For example, as will be described below with reference to FIG. .

  FIG. 8 is a sequence diagram showing a management process when an answer due date is exceeded according to the second embodiment. Step S141 shown in FIG. 8 is the same processing as step S141 of FIG. 4 in the first embodiment.

  Next, in step S163, the management server 20 collectively executes a funds return process for non-payable messages that exceed the reply date. Specifically, the management server 20 creates a replacement message for returning funds.

  Next, in step S <b> 166, the management server 20 transmits the created replacement message to the destination host 11 via the destination host 15. The destination host 11 performs a process of returning the money that has become non-payable to the transfer requester based on the replacement message received from the management server 20.

  As described above, according to the second embodiment of the present invention, funds return processing is automatically performed collectively for non-payable messages whose response date of the inquiry message has exceeded. Thereby, the post-processing of the transfer message that has become non-payable can be more reliably performed.

<4. Summary>
As described above, according to the transfer management system according to the present embodiment, the response date for the inquiry message is managed, and the inquiry message that has exceeded the due date is returned in a lump sum, and the transfer of the transfer that has become impossible to deposit. Post-processing can be more reliably performed.

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

  For example, in the above-described embodiment, as shown in steps S112 and S124 in FIG. 3, the operator makes a determination on whether or not to accept money and whether or not the content is to be inquired according to the error content. However, the present embodiment is not limited to this. For example, the management server 20 that has received a non-payable message from the destination-side host 15 may automatically determine the response based on the contents of the transfer message, the error contents, the ledger inquiry result, and the like. In addition, a learning DB may be installed in the management server 20 so that the determination of correspondence according to the error content can be automatically performed.

  It is also possible to create a computer program for causing hardware such as CPU, ROM, and RAM incorporated in the management server 20 and the entry PC 30 to exhibit the block configurations of the management server 20 and the entry PC 30 described above. A storage medium storing the computer program is also provided.

DESCRIPTION OF SYMBOLS 11 Destination side host 13 Dedicated network 15 Destination side host 17 Network 19 Transfer management system 20 Management server 21 Communication part 22 Message preparation part 24 Due date setting part 25 Due date management part 30 Entry PC
31 communication unit 32 control unit 33 display unit 35 operation input unit 40 determination screen 50 fund return instruction screen

Claims (7)

A transfer message creation unit that creates a first transfer message for the transfer message when it is determined that the transfer message is non- payable and is not a reference to the destination.
A replacement message transmission unit that transmits the first replacement message to the destination host;
An inquiry message creation unit that creates an inquiry message for inquiring about the contents of the non-payable transfer message when it is determined that the non-payable transfer message is an object of inquiry to the destination side ,
An inquiry message transmission unit that transmits the created inquiry message to the destination host;
A setting unit for setting a reply date for the inquiry message;
Managing whether or not the response date has been exceeded, and if the response date has been exceeded, a management unit for notifying the entry terminal of the response date exceeding ,
The replacement message creation unit creates a second replacement message with the inquiry content indicated in the inquiry message as a reason for return when receiving a fund return instruction from the entry terminal after the reply date is exceeded. And
The transfer message transmitting unit transmits the second transfer message to the destination host; and a transfer management server;
A receiving unit that receives a notification of an overdue reply from the transfer management server;
A reception unit that accepts an instruction for returning the funds in response to the notification of an overdue answer;
An entry terminal comprising: a transmission unit that transmits the received funds return instruction to the transfer management server;
A transfer management system. A transfer message creation unit that creates a first transfer message for the transfer message when it is determined that the transfer message is non- payable and is not a reference to the destination.
A replacement message transmission unit that transmits the first replacement message to the destination host;
An inquiry message creation unit that creates an inquiry message for inquiring about the contents of the non-payable transfer message when it is determined that the non-payable transfer message is an object of inquiry to the destination side ,
An inquiry message transmission unit that transmits the created inquiry message to the destination host;
A setting unit for setting a reply date for the inquiry message;
A management unit for managing whether or not the response date has been exceeded;
With
The replacement message creation unit creates a second replacement message for returning funds that have become non-payable after the response date has been exceeded, with the inquiry content indicated in the inquiry message as the reason for return And
The transfer message transmitting unit is a transfer management server that transmits the second transfer message to the destination host.   The transfer management server according to claim 2, wherein the replacement message creating unit creates a message indicating that the funds are returned for a reason of inquiry of the inquiry message. The management unit notifies the entry terminal of a list of non-payable transfer messages exceeding the reply date of the inquiry message,
The replacement message creation unit creates the second replacement message collectively when receiving a fund return instruction from the entry terminal;
The transfer management server according to claim 2 or 3, wherein the replacement message transmission unit transmits the replacement message collectively generated by the replacement message generation unit to the destination host. The replacement message creation unit creates the second replacement message in a batch when the response date is exceeded,
The transfer management server according to claim 2 or 3, wherein the replacement message transmission unit transmits the replacement message collectively generated by the replacement message generation unit to the destination host. Processor
For a non- payable transfer message , a step of creating a first replacement message for the transfer message when it is determined that the transfer message is not subject to inquiry to the destination side;
Transmitting the first replacement message to the destination host;
Creating an inquiry message for inquiring about the contents of the non-payable transfer message when it is determined that the non-payable transfer message is to be referred to the destination ;
Sending the created inquiry message to the destination host;
Setting a reply date for the inquiry message;
Managing whether the response date has been exceeded,
Creating a second replacement message for returning funds that have become non-paid after the response date has been exceeded, with the inquiry content shown in the inquiry message as the reason for return ;
Sending the second replacement message to the destination host;
Including bank transfer management method. A process for creating a first transfer message for the transfer message when it is determined that the transfer message is non- payable and is not subject to inquiry to the destination side;
Processing for sending the first replacement message to the destination host;
A process for creating an inquiry message for inquiring about the contents of the non-payable transfer message when it is determined that the non-payable transfer message is to be referred to the destination side ,
Processing to send the created inquiry message to the destination host;
Processing for setting a reply date for the inquiry message;
A process for managing whether or not the reply date has been exceeded;
A process of creating a second replacement message for returning funds that have become non-paid after the response date has been exceeded, with the inquiry content indicated in the inquiry message as the reason for return ;
Processing for transmitting the second replacement message to the destination host;
A program that causes a computer to execute.

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