JP6439440B2 - Transfer management system, program and transfer management method - Google Patents

Description

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

  In financial institutions, exchange processing using communication is often performed. For example, when the transfer requester makes an exchange request such as a transfer, the original message (transfer message) is sent from the host computer of the destination (transfer source) financial institution to the host computer of the destination (transfer destination) financial institution. Is done. Then, in the host computer possessed by the financial institution on the destination, the deposit process is executed according to this original message.

  On the other hand, when there is a deficiency in the original message, that is, when a transfer error occurs, the transfer processing is not normally performed in the financial institution on the destination side. In that case, the financial institution on the destination first sends an inquiry message to notify the financial institution on the destination side of the incomplete contents of the transfer. Thereafter, the destination financial institution transmits a replacement message for returning funds to the destination financial institution in accordance with the reply message obtained from the destination financial institution. After receiving the replacement message, the destination financial institution completes the funds return process for the relevant transfer requester.

  To explain in more detail the inquiry message, the inquiry message is generated by the destination financial institution to inquire the destination financial institution of the incompleteness of the transfer error when a transfer error occurs in the destination financial institution. The message is sent to the destination financial institution. In the inquiry message, the name of the transfer requester, information on the transfer details and the transfer destination, and inadequate details on the transfer are described. When the destination financial institution receives the inquiry message, the destination financial institution inquires about the information of the incomplete original message and the requester of the transfer, and confirms the transfer contents to the transfer requester. Thereafter, the destination financial institution creates an answer message including the correction contents regarding the transfer contents, and transmits the answer message to the destination financial institution.

  As described above, by receiving the inquiry message from the financial institution on the destination side, the financial institution on the destination side starts processing such as returning the funds caused by the transfer error.

  Patent Documents 1 and 2 below propose a system for automatically generating an inquiry message according to the content of a transfer error and transmitting the inquiry message to a destination financial institution.

JP 2010-191923 A JP-A-2005-107605

  However, depending on the specifications of the transfer management system of the financial institution at the destination and the details of the transfer error, an inquiry message is not sent from the financial institution on the destination, but only a replacement message is sent to the financial institution on the destination ( There is a case in which the return message is referred to as a non-inquired add-on message) and a funds return process is performed. In this case, the destination financial institution cannot perform normal processing in the transfer management system because there is no inquiry message in the transfer management system corresponding to the non-referenced supplementary message.

  For this reason, the destination financial institution has to handle the non-inquiry supplementary message as a system object and manually process it by the operator. However, the non-system-related processing related to the non-inquiry replacement message increases the workload on the operator and easily causes mistakes, resulting in a problem that the efficiency of the processing work is deteriorated.

  Accordingly, 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 capable of improving the efficiency of processing a non-inquiry replacement message. To provide a system, a program, and a transfer management method.

  In order to solve the above-described problem, according to one aspect of the present invention, a receiving unit that receives a non-inquiry supplementary message whose corresponding inquiry message is an unreceived supplementary message, and the non-inquiry message received by the receiving unit. An inquiry message generation unit that generates a dummy inquiry message associated with the non-inquiry supplementary message for executing an assignment process by the non-inquiry substitution message based on an identifier of the inquiry attachment message; A transfer management system is provided.

  The transfer management system further includes a storage unit and a virtual answer control unit, and when the generation of the dummy inquiry message by the inquiry message generation unit is completed, the storage unit stores the non-inquiry replacement message, and The answer control unit displays an area for creating a virtual answer message for the dummy inquiry message, an area for displaying the dummy inquiry message, and the original message inquired by the identifier of the non-inquiry replacement message. You may produce | generate the screen containing an area | region and the area | region which displays the information of the transfer requester inquired by the said original telegram.

  The virtual answer control unit may set a process involving return of funds as a transfer error handling process included in the content of the virtual answer message.

  The virtual answer control unit may perform control not to transmit the virtual answer message to the financial institution on the destination which has transmitted the non-inquiry supplementary message.

  The transfer management system includes: a flag processing unit that adds an unprocessed flag to the non-inquiry replacement message stored in the storage unit; and the non-inquiry replacement message that has been added with the unprocessed flag by the flag processing unit; An extraction unit that extracts the virtual answer message associated with the non-inquiry replacement message with the unprocessed flag based on an identifier of the non-inquiry replacement message, and the unprocessed flag If the non-inquiry supplementary message and the associated virtual answer message are displayed on the screen, and it is confirmed that the contents of the non-inquiry supplementary message and the virtual answer message are not different, And a replacement message processing unit that executes a process that involves returning funds based on the replacement message.

  In the replacement message processing unit, when the processing with the return of funds based on the non-inquiry replacement message is completed, the flag processing unit processes the unprocessed flag of the extracted non-inquiry replacement message. It may be changed to a completed flag.

  In order to solve the above problem, according to another aspect of the present invention, a computer receives a non-inquiry supplementary message in which a corresponding inquiry message is an unreceived supplementary message, and the reception Inquiry message generation for generating a dummy inquiry message associated with the non-inquiry supplementary message for executing a reassignment process by the non-inquiry supplementary message based on the identifier of the non-inquiry supplementary message received by the unit And a program for functioning as a part.

  In order to solve the above problem, according to another aspect of the present invention, a step of receiving a non-inquiry supplementary message in which a corresponding inquiry telegram is an unreceived supplementary message, and the non-inquiry supplementary message Generating a dummy inquiry message associated with the non-inquiry replacement message for executing a replacement process by the non-inquiry replacement message based on the identifier of the transfer management method. .

  As described above, according to the present invention, it is possible to improve the efficiency of processing a non-inquiry attached telegram.

It is the figure which showed the structure of the financial system which concerns on embodiment of this invention. It is the sequence diagram which showed the operation example of the normal process at the time of the transfer error in a transfer management system. It is the block diagram which showed the structure of the transfer management system which concerns on embodiment of this invention. It is the sequence diagram which showed the operation example in case a transfer management system processes a non-inquiry exchange message. It is the figure which showed the specific example of the message | telegram. It is the figure which showed the specific example of the message | telegram. It is the figure which showed the specific example of the message | telegram. It is the figure which showed the specific example of the virtual reply message preparation screen. It is the figure which showed the example of the option of the post-processing item by a transfer error. It is the sequence diagram which showed the operation example in case a transfer management system processes a non-inquiry exchange message. It is the figure which showed the specific example of the virtual reply message confirmation screen. It is the figure which showed the specific example of the attachment message | telegram processing screen. It is the block diagram which showed the hardware constitutions of the client terminal.

  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. Structure of financial system>
FIG. 1 is a diagram showing a configuration of a financial system according to an embodiment of the present invention. As shown in FIG. 1, the financial system according to the embodiment of the present invention includes a dedicated network 12, a public network 14, a transfer requester's telephone / FAX 16, a transfer management system 20, a communication gateway 21, and a destination. A side host computer 30 and a destination side host computer 40 are provided.

  The transfer management system 20 includes a database server 22, a client terminal 23, a telephone / FAX server 24, and a printer 25. The database server 22 accumulates and manages information such as inquiry messages and replacement messages transmitted from the destination-side host computer 40. The client terminal 23 is an information processing apparatus that creates various messages and processes received messages in accordance with operations by an operator. The telephone / FAX server 24 is an example of communication means connected to the transfer requester's telephone / FAX 16 via the public network 14, and the operator may use the telephone / FAX server 24 via the client terminal 23. Is possible. Further, the telephone / fax server 24 may be a single device, and the operator uses the telephone / fax server 24 directly based on information displayed on the client terminal 23 to make a call and communication with the transfer requester. May be performed. The printer 25 is an example of an output device that outputs details of transaction information.

  The destination-side host computer 30 transmits various messages to the transfer-destination destination-side host computer 40 via the dedicated network 12. The destination host computer 30 receives various messages transmitted from the destination host computer 40 and transfers them to the database server 22 of the transfer management system 20 via the communication gateway 21. In FIG. 1, the destination host computer 30 and the transfer management system 20 are logically divided via the communication gateway 21, but the transfer management system 20 may be a concept including the destination host computer 30. Good.

  The destination-side host computer 40 receives various messages from the transfer-source destination-side host computer 30 via the dedicated network 12. The destination-side host computer 40 transmits various messages to the destination-side host computer 30 that is the transfer source via the dedicated network 12. Specifically, the destination-side host computer 40 receives the original message transmitted from the destination-side host computer 30. If the original message is incomplete, the destination-side host computer 40 sends an inquiry message describing the incomplete content to the destination side. It transmits to the host computer 30.

<2. Financial System Operation>
The configuration of the financial system according to the embodiment of the present invention has been described above. Subsequently, a basic operation of the financial system according to the embodiment of the present invention will be described.

  FIG. 2 is a sequence diagram showing an operation example when a transfer error occurs in the financial system according to the embodiment of the present invention. As shown in FIG. 2, first, the transfer requester makes a transfer request to the destination host computer 30 (S100), and the destination host computer 30 sends the request to the destination host computer 40 via the dedicated network 12. An original telegram is transmitted (S104). As will be described in detail later, the original telegram includes, for example, information on the destination financial institution branch name, the destination financial institution branch name, the transfer account number, the calling number, the recipient, the client, and the like.

  Here, when a transfer error occurs due to incomplete contents of the original message in the destination-side host computer 40 (S108), the destination-side host computer 40 sends an inquiry message describing the incomplete contents of the original message to the destination side. The destination-side host computer 30 that has transmitted to the host computer 30 and received the inquiry message transfers the inquiry message to the database server 22 (S112). The inquiry message includes information such as a destination financial institution branch name, a destination financial institution branch name, a communication sentence, a transmission number, and an inquiry number. In addition, the transmission number and the reference number have a function as an identifier for associating various electronic messages, for example.

  The inquiry message transmitted to the transfer management system 20 is stored in the database server 22 and displayed on the client terminal 23, and the content of the inquiry message is confirmed by the operation of the operator (S116). Then, the operator of the client terminal 23 contacts the transfer requester via the telephone / FAX server 24 regarding the content of the transfer error (S120), and confirms the response content regarding the transfer error with the transfer requester (S124). ).

  Further, the client terminal 23 creates a corrected group return request form based on the input by the operator (S128), and transmits the corrected group return request form to the transfer requester via the telephone / FAX server 24 (S132). This transmission may be based on a FAX image of a correction / combination request form electronically created on the client terminal 23 or another terminal. In addition, the correction recombination request form includes, for example, a description column relating to the initial transfer content and the response content from the transfer requester.

  The transfer requester confirms the content of the received corrected reorganization request form, signs the signature field, and transmits the corrected reversal request form to the transfer management system 20 via the telephone / FAX 16 (S136). Based on the input by the operator, the client terminal 23 creates an answer message for requesting the return of funds, etc., according to the corrected recombination request form returned from the transfer requester (S140). Note that the response message includes, for example, a destination financial institution branch name, a destination financial institution branch name, a message regarding the requested processing, a reference number (transmission number), and the like. The created reply message is transmitted to the destination host computer 40.

  In response to the received reply message, the destination-side host computer 40 transmits a replacement message including the contents of the funds return process and the like to the destination-side host computer 30, and performs reimbursement of the funds that have caused the transfer error (S148). ). Then, the client terminal 23 displays the replacement message, and the operator confirms the content of the replacement message (S152). Note that the replacement telegram includes, for example, a destination financial institution branch name, a destination financial institution branch name, a message regarding fund return processing, a reference number, and the like. When the operator confirms the contents of the transfer message, a fund return process (transfer process) to the transfer requester is executed (S156). When the funds return process is executed, the destination host computer 30 returns the funds returned to the transfer requester's account (S160).

(Background of this embodiment)
As described above, the transfer management system 20 according to the present embodiment executes processing corresponding to the transfer error based on the inquiry message transmitted from the destination-side host computer 40.

  However, depending on the specifications of the destination-side host computer 40 and the contents of the transfer error, an inquiry message is not transmitted from the destination-side host computer 40, and only a replacement message is sent to the transfer management system 20 of the destination-side financial institution. Has been sent (non-inquiry supplementary telegram), and there has been a case in which funds return processing etc. is completed first. In this case, since the conventional transfer management system does not have an inquiry message related to the content of the transfer error, it is not possible to perform processing for a normal transfer error. For this reason, the destination financial institution needed to process a non-inquiry telegram as non-system processing. For example, the destination financial institution needs to perform a paper-based process by the operator as a non-system process. However, the above system non-system processing increases the workload on the operator and raises the risk of making a mistake, so that there is a problem that the efficiency of the processing work for the transfer error deteriorates.

  In view of the above circumstances, the inventors have created an additional function to be implemented in the transfer management system 20. According to the present embodiment, it is possible to improve the efficiency of processing a non-inquiry replacement telegram. Hereinafter, such embodiments will be sequentially described in detail.

<3. Configuration of transfer management system>
FIG. 3 is a block diagram showing the configuration of the transfer management system according to the embodiment of the present invention. As shown in FIG. 3, the database server 22 includes a communication unit 222, a data processing unit 224, and a storage unit 226.

  The communication unit 222 of the database server 22 is an interface between the client terminal 23 and the destination host computer 30, and transmits and receives various messages and information between the client terminal 23 and the destination host computer 30.

  The data processing unit 224 performs data processing such as data storage in the storage unit 226, data management, data search, and data call. For example, the data processing unit 224 retrieves and calls various messages and transfer requester information requested from the client terminal 23 from the storage unit 226, and transfers the called data to the client terminal 23 via the communication unit 222. .

  Further, the data processing unit 224 includes functions of the flag processing unit 300 and the extraction unit 310. Although details will be described later, the flag processing unit 300 has a function of adding a flag of “unprocessed” or “processed” to the non-inquiry supplementary message stored in the storage unit 226. In addition, the extraction unit 310 has a non-inquiry supplementary message with a flag “unprocessed” stored in the storage unit 226 and a virtual answer having the same reference number (transmission number) as the non-inquiry supplementary message. It has a function to extract a message.

  The storage unit 226 stores a customer master, a transaction DB, and the like. The customer master stores customer information including personal information such as name, address, telephone number, age and occupation, and account information such as account number, personal identification number, deposit balance and transaction history. Such customer information may be set at the time of opening an account, or may be corrected / added as appropriate.

  The transaction DB is a database that stores various types of messages such as received and transmitted original messages, inquiry messages, answer messages, and replacement messages.

  On the other hand, as illustrated in FIG. 3, the client terminal 23 includes a communication unit 232, a control unit 234, an operation input unit 236, and a display unit 238.

  The communication unit 232 of the client terminal 23 is an interface with the database server 22 and transmits, for example, an original message, a virtual answer message, or the like created according to an operator's operation to the operation input unit 236. Moreover, the communication part 232 includes the function of the receiving part which receives a non-query supplementary message.

  The control unit 234 controls the overall operation of the client terminal 23. For example, the control unit 234 creates various electronic messages according to the operation input to the operation input unit 236, or causes the display unit 238 to display various electronic messages and information. In addition, the control unit 234 may have a function as a print control unit that causes the printer 25 to print a corrected recombination request document to be transmitted to the transfer requester.

  Further, the control unit 234 includes functions of the inquiry message generation unit 400, the virtual answer control unit 410, and the replacement message processing unit 420. The functional unit will be described in more detail in the following description of “Transfer Management System Operation”.

  The operation input unit 236 includes an input unit for inputting information by an operator 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 the operator and outputs the input signal to the control unit 234. It is configured. By operating the operation input unit 236, the operator can perform screen operations, creation of various electronic messages, information confirmation and approval, and the like.

  The display unit 238 performs display according to control by the control unit 234. The display unit 238 may be a display module configured by an LCD (Liquid Crystal Display), an OLED (Organic Light-Emitting Diode), a CRT (Cathode Ray Tube), or the like.

<4. Operation of the transfer management system>
The configuration of the transfer management system 20 according to the present embodiment has been described above. When the transfer management system 20 according to the present embodiment receives a replacement message from the destination-side host computer 40, if the replacement message is non-inquiry, the transfer management system 20 inquired by the reference number of the replacement message. Generate a dummy inquiry message containing information on the message and the transfer requester, create a virtual response message by the operator according to the dummy inquiry message, and then return funds based on a non-inquiry replacement message associated with the virtual response message The replacement process is performed. Hereinafter, the operation of the transfer management system 20 according to the present embodiment will be described in detail for each stage.

(Generate dummy inquiry message)
FIG. 4 is a sequence diagram showing an operation example when the transfer management system 20 processes a non-inquiry supplementary message. First, the operation until the inquiry message generator 400 of the client terminal 23 generates a dummy inquiry message will be described according to the sequence diagram of FIG.

  First, when the destination-side host computer 40 transmits a replacement message to the destination-side host computer 30, the destination-side host computer 30 transfers the replacement message to the database server 22 (S200). The replacement message transmitted to the transfer management system 20 is stored in the database server 22 and transferred to the client terminal 23. More specifically, the communication unit 232 receives the replacement message (S204). The replacement message is displayed on the display unit 238 according to an instruction from the control unit 234 (S208).

  As shown in FIG. 5A, for example, the redistribution message includes, for example, the name of the receiving store (the name of the base where the destination financial institution branch that performed the transfer process), the calling bank / name (the name of the destination financial institution branch) ), In addition to information such as date of handling, amount of money, recipient and client, etc., information such as correspondence, outgoing number and reference number are included. The information of the name of the base to which the destination financial institution branch belongs is the name of the base to which the branch of the financial institution having the client terminal 23 operated when the original message corresponding to the replacement message is created. means.

  The operator of the client terminal 23 makes an inquiry to the database server 22 for an inquiry message having the same inquiry number as that of the displayed replacement message (S212). More specifically, for example, the client terminal 23 sends an inquiry message having the same inquiry number as the reference number “E09-876-543210” of the replacement message shown in FIG. 5A based on the operation of the operator. Search in the transaction DB of the database server 22. If the corresponding inquiry message is stored in the transaction DB (S216 / NO), the database server 22 notifies the destination host computer 30 to execute processing such as returning funds (S220), and the destination host The computer 30 returns the funds to the account of the transfer client (S224).

  On the other hand, when the inquiry message associated with the attached message is not stored in the transaction DB (S216 / YES), the database server 22 sends the inquiry message to the client terminal 23 and the corresponding inquiry message has not been received. (S228).

  When the replacement message is identified as a non-inquiry replacement message, the client terminal 23 has an original message having the same transmission number as the inquiry number of the non-inquiry replacement message by the operator's operation, and the original message has Information on the transfer requester identified from the information is queried (S232).

  FIG. 5B is a diagram showing a specific example of the original telegram. As shown in FIG. 5B, the original telegram includes, for example, the receiving bank / store (name of the financial institution branch for the destination), the name of the sending store (the name of the base to which the destination financial institution branch that performed the transfer process), designation In addition to information such as date, amount, recipient and client, information such as the calling number and telephone number is included.

  More specifically, first, the client terminal 23 searches the transaction DB for an original message having the same transmission number as the reference number included in the replacement message, and calls the corresponding original message based on an operation by the operator. For example, the client terminal 23 searches the transaction DB having the same transmission number as the reference number “E09-876-543210” of the replacement message shown in FIG. 5A. In this case, since the transmission number of the original telegram shown in FIG. 5B is “E09-876-543210”, the original telegram is called from the transaction DB to the client terminal 23.

  Furthermore, after calling the original telegram based on the operation by the operator, the client terminal 23 searches the customer master for the transfer requester information based on the information on the requester and the telephone number described in the original telegram. And call the information of the relevant transfer requester. For example, by searching the customer master for information on the transfer requester that matches the requester “Iraijiro” and the telephone number “03-xxxx-xxxx” shown in FIG. 5B, the transfer requester Information is called.

  Note that the original telegram may be called using information such as the requester and the recipient, for example, instead of the reference number described in the attached telegram. For example, the client terminal 23 includes the requester “Iraijiro”, the recipient “F1234567 Uketori Taro”, the handling date “27-05-15” and the amount “¥ 100,100” described in the supplementary message of FIG. 5A. Of the information such as “000”, the target original message may be searched using one or more information. In addition, the information of the transfer requester may be directly called using information described in the attached message (for example, the requester “Iraijiro” shown in FIG. 5A).

  When the calling of the information of the original message and the transfer requester is completed, the information of the called original message and the transfer requester is transferred from the database server 22 to the client terminal 23 and displayed on the client terminal 23 (S236).

  After that, the inquiry message generation unit 400 causes the operator to confirm whether or not to generate a dummy inquiry message, and when approval for generation of the dummy inquiry message is obtained, the inquiry message generation unit 400 generates a dummy inquiry message. (S240).

  FIG. 6 is a diagram showing a specific example of a dummy inquiry message. As shown in FIG. 6, the dummy inquiry telegram includes, for example, information such as a communication sentence, a calling number, and a reference number in addition to information such as a receiving store name, a calling bank / store, and a handling date. The communication text includes, for example, information indicating that the handling date, the amount of money, the recipient, the client, and the dummy inquiry message are generated corresponding to the non-inquiry attached message. In addition, the transmission number includes information indicating that the inquiry message is generated in the transfer management system 20 as in “SYSTEM NONE” shown in FIG.

  The configuration of the dummy inquiry message in FIG. 6 will be described in more detail. For example, each piece of information included in the dummy inquiry message in FIG. 6 is acquired from a non-inquiry supplementary message as follows, and the dummy inquiry message is generated based on the acquired information. “Receiving store name” describes “the name of the branch (“ Tokyo ”) to which the branch of the financial institution that generated the dummy inquiry message belongs”. In “Outgoing bank / store” and “Handling date”, the name of the branch of the financial institution (“YYY Wallabi”) and the “Date of creation (“ 27-05-20 ”)” of the dummy inquiry message are displayed. be written. In “Communication sentence 1”, a “fixed sentence (for example,“ Kakimushiyo-Kaisuke-Eboshiyoseyo ”)” is described. “Communication text 2” includes “handling date (“ 27-05-15 ”)” + “standard text (“ free text ”based on“ handling date ”and“ amount ”information acquired from the non-referenced telegram. “)” + “Amount (“ 100,000 ”)” is described as a synthesized character string. In “Communication sentence 3”, information of “recipient” and “requester” acquired from the non-inquiry attached telegram is described. More specifically, “account information” and “recipient name” are determined from the character string of the “recipient” information, and “communication sentence 3” includes the determined “account information” and “recipient name”. , And “requester” information, “account information (“ F1234567 ”)” + “standard text (“ U ”)” + “recipient name (“ Uketori Taro ”)” + “standard text (“ I ”) ) ”)” + “Requester (“ Iraiji ””) ”is written. “Communication text 4” includes “received store information for which a non-inquiry attached telegram is acquired (in the case of FIG. 6, since Yotsuya branch is assumed to be a receiving store,“ Yotsuya ”)” + “standard text ( A synthesized character string such as “Atsukai”) is described. In “transmission number”, “fixed sentence (“ system change ””) is described. In “inquiry number”, the inquiry number of the non-inquiry attached telegram is described. Note that each piece of information included in the dummy inquiry message may be acquired from the original message instead of from the non-inquiry supplementary message.

  The generation of the dummy inquiry message corresponding to step S240 may be executed before the inquiry of the original message and transfer requester information corresponding to step S232 and step S236 is performed.

(Flag addition to non-inquiry message)
After the generation of the dummy inquiry message is completed, the non-inquiry supplementary message is transferred to the database server 22 and stored in the transaction DB (S244). At that time, the flag processing unit 300 adds a “unprocessed” flag to the non-inquiry-attached telegram stored in the transaction DB (S248). Although the reason will be described in detail later, when the replacement message processing unit 420 of the control unit 234 searches for a non-inquiry replacement message to be processed in the transaction DB, the non-inquiry attachment with the funds returned to the transfer requester is completed. This is to identify whether it is a replacement message. For example, a non-inquiry supplementary message to which the “unprocessed” flag is added indicates that the return of funds to the transfer requester is unprocessed.

(Generate virtual answer message creation screen)
The operation until the inquiry message generation unit 400 generates the dummy inquiry message has been described above with reference to FIG. Next, the operation related to the virtual answer message after generating the dummy inquiry message will be described with reference to the sequence diagram of FIG.

  After the dummy inquiry message is generated, the virtual answer control unit 410 displays, for example, the virtual answer message creation screen 50 shown in FIG. 7 on the client terminal 23 (S252).

  FIG. 7 is a diagram showing a specific example of the virtual answer message creation screen 50. The virtual response message creation screen 50 includes an area for displaying inquiry message information 51, original message information 52, transfer requester information 53, and a corrected reversal request document creation entry 54, and a telephone call button 57 and a FAX transmission button 58. . Further, the corrected recombination request document creation entry 54 includes a transfer requester reply content 55 and message transmission destination information 56. In the inquiry message information 51, the original message information 52, and the transfer requester information 53, dummy inquiry message information, original message information, and transfer requester information are displayed, respectively. In addition, when the information of the original message and the transfer requester is not inquired at the time of generating the dummy inquiry message, at the generation stage of the virtual response message creation screen 50, the information on the original message and the transfer requester is obtained by the client terminal 23. It may be called from the transaction DB. As shown in FIG. 7, for example, as shown in FIG. 7, the transfer requester response content 55 includes contact information of the transfer requester, a FAX description item column that describes the message content to the transfer requester, and a funds return process or a retransfer process. Includes post-processing item options for selecting the post-processing content. In the message transmission destination information 56, for example, information on the payee recipient is described.

  After the generation of the virtual response message creation screen 50, the processing that is performed until the client terminal 23 receives the corrected reversal request form from the transfer requester is the normal transfer as shown in the sequence diagram of FIG. Implemented in the same manner as the error processing flow. Specifically, in order to make an inquiry about the contents of the inquiry message information 51, the operator of the client terminal 23 presses the telephone call button 57 and contacts the transfer requester via the telephone / FAX server 24 (S120). After that, based on the contents of the response from the transfer requester (S124), a corrected reversal request form is created by the operator input in the corrected reunion request form creation entry 54 (S128). After creating the corrected group return request form, the client terminal 23 sends the corrected group return request form to the transfer requester's telephone / FAX 16 by pressing the FAX transmission button 58 based on the operation of the operator. / Send via the FAX server 24 (S132).

  The virtual answer message is created by the virtual answer control unit 410 based on the operation of the operator based on the contents of the transfer client answer contents 55 and the message destination information 56. The configuration of the virtual answer message is the same as the answer message created in the normal transfer error process. Information such as the receiving bank / store, the name of the sending store, the communication text regarding the requested processing, and the calling number constituting the virtual answer message is automatically acquired by the virtual answer control unit 410 from the contents of the dummy inquiry message and the like. In addition, for example, if there is a reply from the transfer requester regarding the recipient's information such as name or bank account number, and processing items such as funds return, the response content is, for example, a message, etc. Is added by the operator's operation. Further, the transmission number given to the virtual answer message is set to be the same as the reference number included in the dummy inquiry message by the virtual answer control unit 410.

  FIG. 8 is a diagram illustrating an example of post-processing item options due to a transfer error. As described above, the transfer client reply content 55 includes options for post-processing items relating to the return of funds. As post-processing, conventionally, correction, reorganization (fund return) or retransfer can be selected by the operator. However, in the embodiment of the present invention, since the fund return processing has already been completed for the destination financial institution, the virtual answer control is performed so that processing that does not involve fund return, such as correction processing of the transfer destination, is not executed. The unit 410 may perform control to exclude processing that does not return funds from the options.

  The virtual answer message creation screen 50 may be displayed immediately after confirmation of the generation of the dummy inquiry message, or the virtual answer message creation screen 50 is launched at an arbitrary timing at which a virtual answer message can be created by an operator's operation. May be. In the latter case, the generated dummy inquiry message is stored once in the transaction DB when it is generated. Thereafter, the dummy inquiry message is called from the transaction DB by the operation of the operator. Then, when the client terminal 23 processes the called dummy inquiry message, the virtual answer message creation screen 50 is displayed on the client terminal 23 by the virtual answer control unit 410.

(Virtual answer message creation control)
FIG. 9 is a sequence diagram showing an operation example in particular when the client terminal 23 receives the corrected recombination request form when the transfer management system 20 processes a non-inquiry supplementary message. When the client terminal 23 receives the corrected reversal request form from the transfer requester (S300), the corresponding inquiry message is called from the transaction DB from the telephone number of the transfer requester. Then, the client terminal 23 identifies whether the called inquiry message is a dummy inquiry message (S304). When the called inquiry message is a normal inquiry message (S304 / NO), the transfer management system 20 performs processing based on the normal processing flow (S140). On the other hand, when the called inquiry message is a dummy inquiry message (S304 / YES), the virtual answer control unit 410 displays the virtual answer message confirmation screen 60 on the client terminal 23 (S308).

  FIG. 10 is a diagram showing a specific example of the virtual answer message confirmation screen 60. The virtual response message confirmation screen 60 includes an area for displaying a corrected reversal request FAX reception image 61, transfer requester information 62 and a corrected reversal request creation entry 63, a telephone call button 66, a FAX transmission button 67, and an approval. A button 68 is included. Further, the corrected recombination request form creation entry 63 includes a transfer requester reply content 64 and message transmission destination information 65. The corrected reversal request document FAX reception image 61 is an image of the FAX of the corrected reorganization request document received from the transfer requester. For example, it relates to the correction content based on the initial transfer content and the response from the transfer requester. Includes a description column. The operator confirms whether or not there is a difference between the contents described in the corrected recombination request form FAX reception image 61 and the contents of the transfer client reply contents 64 and the message destination information 65. When there is a difference between the two contents, the virtual answer control unit 410 may modify the transfer requester answer contents 64 and the message destination information 65 by an operator input, or by an operator operation, You may perform control which makes an operator contact a transfer requester again via the telephone / FAX server 24. FIG.

  If there is no difference between the contents of the corrected composition return request FAX reception image 61 and the contents of the transfer requester reply contents 64 and the message destination information 65, the virtual answer control unit 410 causes the operator to press the approval button 68. Thus, the creation of the virtual answer message is completed (S312).

  In the case of normal transfer error processing, as shown in FIG. 2, the created reply message is transmitted from the transfer management system 20 to the destination host computer 40 (S144). Then, based on the content of the received response message, an operation of transmitting a replacement message including money reorganization to the destination host computer 30 is performed. However, in the present embodiment, the process of returning the funds from the destination financial institution to the destination financial institution has already been performed, and a replacement message has been transmitted from the destination host computer 40 to the transfer management system 20. Therefore, it is not necessary to transmit the virtual answer message to the destination-side host computer 40.

  Therefore, the virtual answer control unit 410 performs control not to transmit the created virtual answer message to the host computer 40 on the destination side when the creation of the virtual answer message is completed. Then, the virtual answer control unit 410 stores the created virtual answer message in the transaction DB of the database server 22 (S316).

(Distribution message processing)
Next, the client terminal 23 calls a non-inquiry supplementary message from the transaction DB by an operator's operation (S320). Specifically, the control unit 234 instructs the extraction unit 310 of the database server 22 to call, from the transaction DB, only the non-inquiry supplementary message to which the “unprocessed” flag is added, by the operation of the operator.

  Upon receiving the instruction, the extraction unit 310 calls the non-inquiry replacement telegram with the “unprocessed” flag from the transaction DB. Further, the extraction unit 310 calls a virtual answer message having the same transmission number as the reference number included in the called non-inquiry supplementary message from the transaction DB (S324). The called non-inquiry replacement message and virtual answer message are transferred to the client terminal 23 (S328). The replacement message processing unit 420 displays the replacement message processing screen 70 including an area for displaying the information of the non-inquiry replacement message and the virtual answer message transferred to the client terminal 23 on the display unit 238 of the client terminal 23 ( S332). At this time, the attached message processing screen 70 may include an area for displaying the original message having the same reference number as the non-inquired attached message and information on the transfer requester.

  FIG. 11 is a diagram showing a specific example of the replacement message processing screen 70. The replacement message processing screen 70 includes an area for displaying replacement message information 71, original message information 72, transfer requester information 73, virtual answer message information 74 and fund return processing information 75, and an approval button 76. The attached message information 71 displays information on the called non-inquiry attached message, and the virtual answer message information 74 displays information on the called virtual answer message. For example, in the virtual answer message information 74, a receiving bank / store, a calling store, a message, and a calling number are displayed. The above message contains an instruction regarding post-processing selected at the time of creating the virtual reply message, “Kaki xxx Shori Kou”, and “xxx” is a return of funds, such as “Shinkhen Kyak” or “Seifurikomi”. A word for instructing the process or the retransfer process is described.

  The funds return processing information 75 includes post-processing item information indicating that either the funds return processing or the retransfer process is performed, and the transfer destination account when the transfer process is selected. Re-transfer contents information for displaying the contents related to re-transfer such as numbers is displayed. The options for the post-processing item information have already been determined by the operator's operation on the virtual response message creation screen 50 based on the response from the transfer requester. Good. The re-transfer contents reflect the contents of the virtual answer message created based on the answer from the transfer requester when the virtual answer message is created.

  When it is confirmed that there is no problem with the processing content of the non-inquiry supplementary message displayed on the supplementary message processing screen 70, the approval button 76 is pressed by the operator's operation (S336), and the supplementary message processing unit 420 Then, the destination host computer 30 is instructed to carry out the fund return process as a replacement process to the transfer requester (S340). Thereafter, the destination-side host computer 30 returns the funds to the transfer requester's account (S344).

  When the funds return process is completed, the attached message processing unit 420 stores the non-inquiry attached message related to the completed money return process in the transaction DB (S348). The stored non-inquiry supplementary message is added with a “processed” flag by the flag processing unit 300 (S352). By adding this flag, when the client terminal 23 calls the non-inquiry replacement message in S316, the client terminal 23 calls the non-inquiry replacement message related to the funds return process that has already been completed to the transfer requester again. Can be prevented in advance.

<5. Hardware configuration>
The embodiments of the present invention have been described above. Information processing such as the above-described message creation processing is realized by cooperation of software, the database server 22, the client terminal 23, and the destination host computer 30. Hereinafter, the hardware configuration of the client terminal 23 will be described as a representative example.

  FIG. 12 is a block diagram illustrating a hardware configuration of the client terminal 23. The client terminal 23 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, and a host bus 204. The client terminal 23 includes a bridge 205, an external bus 206, an interface 207, an input device 208, an output device 209, a storage device 210, a drive 211, and a network interface 212.

  The CPU 201 functions as an arithmetic processing device and a control device, and controls the overall operation in the client terminal 23 according to various programs. Further, the CPU 201 may be a microprocessor. The CPU 201 implements the function of the control unit 234. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 temporarily stores programs used in the execution of the CPU 201, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 204 including a CPU bus.

  The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. Note that the host bus 204, the bridge 205, and the external bus 206 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 208 includes input means for a user to input information, such as a mouse, keyboard, touch panel, button, microphone, switch, and lever, and an input control circuit that generates an input signal based on the input by the user and outputs the input signal to the CPU 201. Etc. Note that the input device 208 realizes the function of the operation input unit 236. The user of the client terminal 23 can input various data and instruct processing operations to the client terminal 23 by operating the input device 208.

  The output device 209 includes display devices such as a CRT display device, a liquid crystal display (LCD) device, an OLED device, and a lamp. Furthermore, the output device 209 includes an audio output device such as a speaker and headphones. The output device 209 outputs the reproduced content, for example. Specifically, the display device displays various information such as reproduced video data as text or images. On the other hand, the voice output device converts reproduced voice data, text data displayed on the display device, and the like into voice and outputs the voice. Note that the output device 209 realizes the function of the display unit 238.

  The storage device 210 is a device for storing data in the client terminal 23 according to the present embodiment. The storage device 210 may include a storage medium, a recording device that records data in the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data stored in the storage medium, and the like. The storage device is configured by, for example, an HDD (Hard Disc Drive) or an SSD (Solid State Drive). The storage device 210 stores programs executed by the CPU 201 and various data.

  The drive 211 is a storage medium reader / writer, and is built in or externally attached to the client terminal 23. The drive 211 reads information recorded on the mounted removable storage medium 26 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, and outputs the information to the RAM 203. The drive 211 can also write information to the removable storage medium 26.

  The network interface 212 is a communication interface configured by a communication device or the like for connecting to another device, for example. The network interface 212 may be a wireless LAN (Local Area Network) compatible communication device, an LTE (Long Term Evolution) compatible communication device, or a wire communication device that performs priority communication. Note that the network interface 212 implements the function of the communication unit 232.

  In the above description, the hardware configuration of the client terminal 23 has been described with reference to FIG. 12. However, the hardware of the database server 22, the destination host computer 30, and other devices constituting the financial system is substantially the same as that of the client terminal 23. Can be configured identically or partially the same.

<6. Summary>
As described above, according to the embodiment of the present invention, a dummy inquiry message is created in the system for a non-inquiry replacement message, so that the non-inquiry replacement message is treated in the same way as normal transfer error processing. Can be processed on the system. As a result, the operator's workload does not increase, and errors such as erroneous entry, erroneous transmission, and processing omission by the operator can be prevented.

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

  For example, each step in the processing of the present specification does not necessarily have to be processed in time series in the order described as a sequence diagram. For example, each step in the processing of the transfer management system 20 and the destination host computer 30 may be processed in parallel.

  Further, for example, the database server 22 may have each functional unit included in the client terminal 23, and conversely, the client terminal 23 may include each functional unit included in the database server 22. Further, the database server 22 and the client terminal 23 are not necessarily configured separately, and may be realized by a single piece of hardware.

  Further, the hardware such as the CPU 201, the ROM 202, and the RAM 203 incorporated in the database server 22, the client terminal 23, and the destination host computer 30 is the same as each configuration of the database server 22, the client terminal 23, and the destination host computer 30 described above. It is also possible to create a computer program for exercising these functions.

DESCRIPTION OF SYMBOLS 12 Dedicated network 14 Public network 20 Transfer management system 22 Database server 23 Client terminal 24 Telephone / FAX server 25 Printer 30 Destination side host computer 40 Destination side host computer 222 Communication part 224 Data processing part 226 Storage part 232 Communication part 234 Control part 236 Operation input unit 238 Display unit 300 Flag processing unit 310 Extraction unit 400 Query message generation unit 410 Virtual answer control unit 420 Replacement message processing unit

Claims (8)

A receiving unit that receives a non-inquiry supplementary message in which a corresponding inquiry message has not been received;
Inquiry for generating a dummy inquiry message associated with the non-inquiry supplementary message for executing the substitution process by the non-inquiry supplementary message based on the identifier of the non-inquiry supplementary message received by the receiving unit A message generator,
A transfer management system. The transfer management system further includes a storage unit and a virtual answer control unit,
When the generation of the dummy inquiry message by the inquiry message generation unit is completed,
The storage unit stores the non-inquiry supplementary message,
The virtual answer control unit includes an area for creating a virtual answer message for the dummy inquiry message, an area for displaying the dummy inquiry message, and an original message inquired by the identifier of the non-inquiry supplementary message. The transfer management system according to claim 1, wherein a screen including an area to be displayed and an area to display information on a transfer requester inquired by the original telegram is generated.   The said virtual answer control part is a transfer management system of Claim 2 which sets the process accompanied by a capital return as a post-process of the transfer error contained in the content of the said virtual answer message.   4. The transfer management system according to claim 2, wherein the virtual answer control unit performs control not to send the virtual answer message to a destination financial institution that has transmitted the non-inquiry supplementary message. 5. The transfer management system includes: a flag processing unit that adds an unprocessed flag to the non-inquiry replacement message stored in the storage unit;
Based on the identifier of the non-inquiry replacement message to which the unprocessed flag has been added by the flag processing unit and the identifier of the non-inquiry replacement message, it is associated with the non-inquiry replacement message to which the unprocessed flag has been added. An extraction unit for extracting the virtual answer message;
The non-inquiry supplementary message with the unprocessed flag and the associated virtual answer message are displayed on the screen, and the contents of the non-inquiry supplementary message and the virtual answer message are not different from each other. If confirmed, a replacement message processing unit that executes a process involving a return of funds based on the non-referenced replacement message;
The transfer management system according to any one of claims 2 to 4, further comprising:   In the replacement message processing unit, when the processing with the return of funds based on the non-inquiry replacement message is completed, the flag processing unit processes the unprocessed flag of the extracted non-inquiry replacement message. The transfer management system according to claim 5, wherein the transfer management system is changed to a completed flag. Computer
A receiving unit that receives a non-inquiry supplementary message in which a corresponding inquiry message has not been received;
Inquiry for generating a dummy inquiry message associated with the non-inquiry supplementary message for executing the substitution process by the non-inquiry supplementary message based on the identifier of the non-inquiry supplementary message received by the receiving unit A message generator,
Program to function as Receiving a non-inquiry replacement message whose corresponding inquiry message is an unreceived replacement message;
Generating a dummy inquiry message to be associated with the non-inquiry supplementary message for executing a reassignment process by the non-inquiry supplementary message based on an identifier of the non-inquiry supplementary message;
Including bank transfer management method.

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