JP7174538B2 - message processor - Google Patents

Description

The present invention relates to a message processing system for financial transactions.

2. Description of the Related Art In recent years, with the development of computer networking technology, there are increasing opportunities for various types of information to be exchanged on networks in the form of telegrams. Against this background, exchanges of telegrams are increasing in various operations in financial institutions. For example, in the foreign exchange business, messages are exchanged between financial institutions using SWIFT (Society for Worldwide Interbank Financial Telecommunication) telegrams, Bank of Japan telegrams, etc. (hereinafter collectively referred to as telegrams).

There are multiple types of telegrams, and usage differs depending on the types of telegrams. In addition, the content that should be entered in each field is defined in the message, and in the case of overseas remittance, based on the information such as the sender, the sending bank, the receiving bank, the recipient, the currency, the amount, etc. , transfer of funds and transmission of telegrams to other financial institutions. On the other hand, in SWIFT, a certain degree of freedom is allowed for the description in electronic messages, which increases the availability and flexibility of electronic messages and contributes to user convenience.

JP 2017-156884 A JP 2015-045953 A

MT (message type) 103, which is one of the messages, is a message handled as customer remittance. However, in a foreign exchange transaction chain in which the final recipient is addressed to a customer, when receiving the message as an intermediary bank, the message must be sent to the next bank in the chain. In other words, the MT 103 that is received as deposit to the account of the customer in the bank and the MT 103 that is to be transferred to the next bank as an intermediary bank are handled by different business divisions within the bank.

The final receiving bank and account information are the focus when determining in which business department the message should be processed. In other words, if the final receiving bank and account information of the message indicates the deposit account of another bank, the message will be handled by the intermediary bank business, and if it indicates the account of the customer of our bank, it will be judged that the customer remittance business will be in charge. Distribution to these business departments is automatically executed by the distribution system, and the distribution system executes the determination based on the content of the electronic message.

However, there are cases where it cannot be delivered to the correct business department due to the following factors. As a first factor, there are cases where the name and address of the bank are vaguely described, making it impossible to determine whether it is the name of the person or the name of the bank. In addition, as a second factor, although the name of our branch is listed, there are cases where other banks have branches with the same name, and the remittance destination cannot be specified. Furthermore, as a third factor, there are cases where the customer's account number and the account number of another bank overlap, making it impossible to specify the remittance destination.

If a message is assigned to the wrong business department due to the degree of freedom of description, the message must be manually checked by the assigned business department and re-distributed to the correct business department, reducing the administrative burden. It takes. Therefore, correctly judging the business department handling the electronic message leads to the efficiency of the bank business and the shortening of the settlement time.

Further, according to the conventional technology, it is checked sequentially whether the content of the message corresponds to a predetermined rule, and if even one of the conditions of the rule is met, the destination is determined. For this reason, the basic rule was to distribute jobs according to rules that ensured judgment of jobs. For this reason, the destination is determined not from the entire telegram, but from the detection of an input item corresponding to one rule. Furthermore, since the delivery destination is determined by one applicable rule, only deterministic rules with considerable reliability are registered. rules were eliminated.

In view of the above-described problems, an object of the present invention is to provide a message processing technique for improving the accuracy of distributing messages in which a degree of freedom in description is allowed.

In order to solve the above-described problems, one aspect of the present invention provides an evaluation unit that evaluates destination candidates of the message based on evaluation information from information input to the message, and transmission of the message according to evaluation results of the destination candidates. and a determining unit for determining a destination.

According to the present invention, it is possible to distribute telegrams that allow freedom of description to correct telegram recipients.

1 is a block diagram showing the functional configuration of a message processing device according to one embodiment of the present invention; FIG. It is a figure which shows the delivery destination determination process by one Example of this invention. It is a figure which shows the delivery destination determination process by one Example of this invention. It is a figure which shows the delivery destination determination process by one Example of this invention. It is a figure which shows the evaluation information learning process by one Example of this invention. 1 is a block diagram showing the hardware configuration of a message processing device according to an embodiment of the present invention; FIG.

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below based on the drawings.

In the following embodiments, a message processing device for processing financial transaction messages such as SWIFT messages and Bank of Japan messages is disclosed. In electronic messages for financial transactions, while the content to be entered is defined for each field in the message, the specific description of the input content is left to each user, and the specific description method differs for each user. sell. The electronic message processing apparatus according to the present invention scores electronic message destination candidates for each business department, etc. from the input contents of the received electronic message based on the input values in the electronic message fields and the evaluation information indicating the points of the corresponding transmission destination candidates. , determine the destination of the telegram according to the scoring result. As a result, depending on the input values in the fields in the message, points indicating the relationship between the input values recorded in the evaluation information and the business are added or subtracted to determine which business features the message has. Based on the total score of each task, the destination is determined based on the "probability" of the message as a task.

According to the conventional technology, whether or not the content of the electronic message corresponds to a predetermined rule is checked in sequence, and if even one of the rule conditions is met, the destination is determined. For this reason, the basic rule was to distribute jobs according to rules that ensured judgment of jobs. By using the scoring method as described above, the destination is scored based on the entire message instead of determining the destination based on one rule, so the accuracy of determination of messages that allow ambiguous descriptions is improved. be able to. In addition, compared to the conventional technology, it is possible to register not only deterministic rules but also ambiguous rules. To make a decision, it becomes possible to specify the destination from other fields.

First, referring to FIG. 1, a message processing apparatus according to an embodiment of the present invention will be described. FIG. 1 is a block diagram showing the functional configuration of a message processing device according to one embodiment of the present invention.

As shown in FIG. 1 , the message processing device 100 has an evaluation unit 110 and a decision unit 120 .

The evaluation unit 110 evaluates the transmission destination candidates of the message based on the evaluation information from the information input to the message. Here, the evaluation information may indicate the input value of a predetermined field of the electronic message and the score of the corresponding destination candidate. If a matching input value is detected, the score of the destination candidate corresponding to the matching input value stored in the evaluation information is added to the destination candidate. or subtract. Specifically, if the input value Y is entered in the field X, and if the evaluation information stores the determination condition that the point P is added to the destination candidate A, the input value When detecting that Y has been input, the evaluation unit 110 adds the score P to the destination candidate A as the destination candidate for the message. Here, the score P may be a positive value or a negative value. In the latter case, the score of destination candidate A is subtracted by P.

The determining unit 120 determines the destination of the electronic message according to the evaluation results of the destination candidates. Specifically, after the evaluation unit 110 evaluates the message according to the evaluation information, the determination unit 120 determines the destination of the message based on the total score of each destination candidate. Typically, the destination candidate with the maximum total score is determined as the destination.

However, the present invention is not limited to this. It may be determined that the delivery destination of the electronic message is unknown instead of being a candidate for the transmission destination, and may be reported to the administrator or the like as an unknown electronic message. Alternatively, if there are a plurality of destination candidates having the maximum total points, the determination unit 120 may select the destination candidate that satisfies the determination condition with the highest priority as the destination. In this case, a separate priority may be assigned to each determination condition registered in the evaluation information, or a priority may simply be assigned according to the score of the determination condition.

Telegram processing according to one embodiment of the present invention will now be described with reference to FIGS. In the illustrated message processing, the SWIFT message MT 103 is processed by the message processing device 100 . Here, the MT 103 includes Field 56 indicating the intermediary bank, Field 57 indicating the account holding bank of the recipient, Field 59 indicating the recipient, and Fields 70/72 used for messages between banks. Based on the input value of , the MT 103 is evaluated, and the transmission destination or business department of the MT 103 is determined according to the evaluation result. However, the message according to the present invention is not limited to the SWIFT message (MT103), and the message processing device 100 may be applied to a Bank of Japan message (Customer Transfer) or the like that holds the same information content as the SWIFT message.

FIG. 2 is a diagram showing distribution destination determination processing according to an embodiment of the present invention. As shown in FIG. 2, it is assumed that the message processing device 100 receives a message composed of the remittance bank: Bank BC, the client: Mr. Z, Field 59: Bank A, and the message in Field 70/72: ADVANCE PAYMENT. .

In step S101, the evaluation unit 110 evaluates the received electronic message based on the illustrated determination conditions regarding Fields 56, 57, and 59 stored in the evaluation information. That is, fields 56 and 57 of the message are blank, and field 59 is bank A (another bank). Add +80 points. Note that the bank name may be confirmed by referring to the illustrated bank information dictionary or the like.

In step S102, the evaluation unit 110 checks whether or not Fields 56, 57, and 59 of the electronic message contain information that can be determined as a branch of the bank or a customer of the bank. For example, as shown in the figure, when the electronic message contains only the name of the bank's branch, the evaluation unit 110 determines that the electronic message satisfies the determination condition 2, and gives +20 points to the intermediary bank service as a candidate for the destination of the electronic message. In addition, +30 points will be added to the customer remittance business. As for the customer information and the branch name, a customer information dictionary and a branch name dictionary may be referred to, respectively.

In step S103, the evaluation unit 110 determines whether a predetermined keyword has been entered in Fields 70/72 of the message. That is, the telegram contains "ADVANCE PAYMENT" in Fields 70/72, and since the keyword is included in the evaluation condition 3 of the evaluation information, the evaluation unit 110 adds 20 points to the intermediary bank service. As for keywords, specific keywords may be registered in a keyword dictionary. Here, the illustrated score clearing and zero clearing means that when the corresponding keyword is input, the score of the corresponding business department is cleared, that is, set to zero.

In step S104, the determining unit 120 determines the destination of the electronic message based on the total points of each destination candidate added or subtracted in steps S101 to S103. In the illustrated example, the intermediary bank business has 120 points and the customer remittance business has 30 points.

FIG. 3 is a diagram showing distribution destination determination processing according to an embodiment of the present invention. As shown in FIG. 3, the message processing device 100 receives a message composed of remittance bank: BC Bank, client: Mr. Z, Field 59: ABCDEFG..., Field 70/72 message: XXXX XXX XX. Suppose

In step S201, the evaluation unit 110 evaluates the received electronic message based on the illustrated determination conditions regarding Fields 56, 57, and 59 stored in the evaluation information. That is, in the message, Fields 56 and 57 are blank, Field 59 is ABCDEFG..., and ABCDEFG... is unknown because it is not in the bank information dictionary. Then, +10 points are added to intermediary bank business and +10 points are added to customer remittance business as candidate destinations for electronic messages.

In step S202, the evaluation unit 110 checks whether or not Fields 56, 57, and 59 of the message contain information that can be determined as a branch of the bank or a customer of the bank. For example, as shown in the figure, when the electronic message contains only the name of the bank's branch, the evaluation unit 110 determines that the electronic message satisfies the determination condition 2, and gives +20 points to the intermediary bank service as a candidate for the destination of the electronic message. In addition, +30 points will be added to the customer remittance business.

In step S203, the evaluation unit 110 determines whether a predetermined keyword has been entered in Fields 70/72 of the message. That is, since the telegram includes XXXX XXX XX in Fields 70/72 and the keyword is included in the evaluation information determination condition 10, the evaluation unit 110 clears the points for the intermediary bank business and adds 90 points to the customer remittance business. Add

In step S204, the determining unit 120 determines the destination of the electronic message based on the total points of each destination candidate added or subtracted in steps S201 to S203. In the illustrated example, the intermediary bank business has 0 points and the customer remittance business has 130 points.

FIG. 4 is a diagram showing distribution destination determination processing according to an embodiment of the present invention. In the illustrated embodiment, the message processing device 100 receives a message composed of remittance bank: BC Bank, client: Mr. Z, recipient: B Corporation, message in Field 70/72: addressed to C. , and that the electronic message does not meet any of the judgment conditions of the evaluation information described with reference to FIGS. In this case, as will be described with reference to FIG. 4, the determining unit 120 may further determine the destination of the electronic message according to the degree of matching with the information input in the previously received electronic message.

In step S301, the evaluation unit 110 determines that the received electronic message does not correspond to any of the judgment conditions of the evaluation information shown in the figure, cannot score destination candidates based on the judgment conditions, and cannot output the evaluation result. to decide.

In step S302, the determining unit 120 matches with the previously received telegrams, and if the input values of the fields equal to or greater than a predetermined number match, determines the destination of the past received telegrams as the destination of the telegram. . In the illustrated example, the past message management information stores a record that a message composed of the remittance bank: BC Bank, the client: Mr. D, and the recipient: B Corporation was delivered to the person in charge C. , the received message matches the message of the remittance bank, the recipient, and Fields 70/72, and the predetermined number is set to 3 or more, the determination unit 120 determines that the message is sent to the same destination as the past message. may decide. If there are a plurality of destinations of past electronic messages corresponding to input values that match a predetermined number or more, the destination of the past electronic message having the largest number of matching input values may be selected.

In addition, for messages that have been erroneously transmitted by the message processing device 100, a flag indicating erroneous transmission may be added to the past message management information, and the correct destination may be recorded. This makes it possible to improve the accuracy of the past electronic message management information.

Next, with reference to FIG. 5, the evaluation information learning process according to an embodiment of the present invention will be described. FIG. 5 is a diagram showing evaluation information learning processing according to an embodiment of the present invention. In the illustrated embodiment, the evaluation unit 110 updates the evaluation information by telegrams received a predetermined number of times or more. That is, if the message received more than a predetermined number of times does not meet any of the determination conditions in the evaluation information, the evaluation unit 110 generates a new determination condition based on the message and the corresponding destination. A judgment condition may be added to the evaluation information.

In step S401, the evaluation unit 110 determines that the received electronic message does not meet any of the judgment conditions of the evaluation information shown in the figure, cannot score destination candidates based on the judgment conditions, and cannot output the evaluation result. to decide.

In step S402, the determination unit 120 matches with the previously received message, and if the input values of a predetermined number or more of fields match, determines the destination of the previously received message as the destination of the message. . Furthermore, when the determination unit 120 determines the destination by referring to the past message more than a predetermined number of times, the evaluation unit 110 generates a new determination condition based on the past message, and uses the generated determination condition as the evaluation information. to add. Specifically, in the illustrated embodiment, the input values referred to in the past telegram, which are the remittance bank: BC bank, the recipient: B Corporation, and Field 70/72: addressed to C, are set as the determination conditions, and A determination result of +X points may be generated and added to the evaluation information.

Note that the score X may be set to a predetermined initial value at the time of generation, and then the score X may be increased each time the determination condition is used and the determination result indicates a correct destination. On the other hand, each time the determination condition is used and the determination result indicates an erroneous destination, the score X may be decreased and the score of the correct destination (for example, Person B) may be increased. In this manner, the determination conditions and determination results may be updated according to the success or failure result of the destination.

Note that the message processing device 100 is typically realized by a server and may have a hardware configuration as shown in FIG. 6, for example. That is, the message processing device 100 has a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, an interface device 105, and a communication device 106 interconnected via a bus B.

Various computer programs including programs for realizing various functions and processes described later in the message processing apparatus 100 may be provided by a recording medium 107 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 107 storing the program is set in the drive device 101 , the program is installed from the recording medium 107 to the auxiliary storage device 102 via the drive device 101 . However, the program does not necessarily have to be installed from the recording medium 107, and may be downloaded from any external device via a network or the like. The auxiliary storage device 102 stores installed programs, as well as necessary files and data. The memory device 103 reads and stores programs and data from the auxiliary storage device 102 when a program activation instruction is received. The CPU 104 functioning as a processor executes various functions and processes of the message processing device 100 according to various data such as programs stored in the memory device 103 and parameters required for executing the programs. The interface device 105 is used as a communication interface for connecting to a network or external device. The communication device 106 executes various communication processes for communicating with terminals and external devices. However, the message processing device 100 is not limited to the hardware configuration described above, and may be realized by any other appropriate hardware configuration.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the specific embodiments described above, and various modifications can be made within the scope of the gist of the present invention described in the claims.・Changes are possible.

100 message processing device 110 evaluation unit 120 determination unit

Claims (7)

Customer remittance business whether said message is an intermediary bank business message based on which field of the message contains information about another bank and whether said message contains our bank's branch and account number message processing device having an evaluation unit for evaluating whether the message is 2. The electronic message processing apparatus according to claim 1, wherein said evaluation unit evaluates said electronic message destination candidate based on evaluation information indicating an input value in a predetermined field of said electronic message and a score of the corresponding transmission destination candidate . 3. The electronic message according to claim 2, wherein when said evaluation unit detects an input value indicated by said evaluation information in a predetermined field of said electronic message, said evaluation unit adds or subtracts points indicated by said evaluation information to a corresponding destination candidate. processing equipment. 3. The electronic message processing device according to claim 2 , wherein said evaluation unit updates said evaluation information by electronic messages received a predetermined number of times or more. 3. The electronic message processing device according to claim 2 , further comprising a determination unit that determines a destination of said electronic message according to an evaluation result of said candidate destination. 6. The message processing device according to claim 5, wherein said determining unit determines the destination of said message based on the total score of each destination candidate. 7. The electronic message processing device according to claim 6, wherein said determining unit further determines a destination of said electronic message according to a degree of matching with information input in a previously received electronic message.

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