JP7301195B1 - Channel control device, channel control method, and channel control system - Google Patents

Abstract

A channel control device, a channel control method, and a channel control system are provided that enable accurate weighting control of business processing based on the importance of channels and business in a financial institution. In a channel control system comprising a channel control device, a plurality of channels, and a plurality of execution systems connected via a network, a channel control device 100 includes user information of a financial institution and Based on the storage device 101 that holds the log of the received processing request, and the identification information of the originating user of each processing request indicated by the log, an attribute is specified from the user information, and the specified attribute is linked to the record of the processing request in the log. A computing device 104 that counts the frequency of occurrence of tasks, etc. indicated by records of a group of records linked with attributes of a predetermined target layer among the records, and performs control to give priority to processing requests related to tasks, etc. whose appearance frequency satisfies a standard. The configuration includes [Selection drawing] Fig. 2

Description

The present invention relates to a channel control device, channel control method, and channel control system.

In order to cope with the permeation of BaaS type business and the diversification of channels, it is assumed that the channel layer and business processing layer will be loosely coupled (cooperation by API) in the architecture of financial institution channel system. By becoming loosely coupled, banking operations can be realized via APIs from various channels, not just branch offices and Internet banking in financial institutions. On the other hand, there is also a need to appropriately control various processing requests through such channels.

As a conventional technology for appropriately controlling online business processing, for example, a message management method (see Patent Document 1) that realizes an efficient message processing system when building an information system in a financial institution has been proposed. It is

This technology is used in an information-related online data system having a database control function and a data communication control function, and is a first means of obtaining input data by controlling input processing of data to be processed in the information-related online data system. a second means for controlling storage of the input data in a message queue file; and a third means for controlling the retrieval of the data stored in the message queue file as file data and passing it to a business processing program. It is characterized by a message management method.

JP-A-7-121477

However, (if nothing is done), it will not be possible to effectively take advantage of the increased opportunities for customer contact that accompanies channel diversification. In addition, with the diversification of channels, the number of occasions when business processes are called increases, and it may become difficult to allocate resources according to the number of calls.
This is because accounting systems are often built on-premise rather than in the cloud for reasons such as security. A system built on-premise has low scalability, and a situation (server busy) that cannot cope with a sudden increase in the number of accesses is assumed. Naturally, it is impossible to perform access control according to business characteristics and effects of each channel.

On the other hand, the applicant has already considered the above-mentioned problems, and has developed a technology (Japanese Patent Application No. 2021-105170) that enables efficient control of business processing based on the target business, channel, and system characteristics of financial institutions. We are developing.

As a result, by combining the type of channel of the access source, the business content, and the type of infrastructure of the connection destination, and creating a mechanism within the control processing that prioritizes the processing, load distribution according to the current server resources and business importance. was optimized.

On the other hand, even if such a technology were adopted, it was not possible to capture how much access was received from which channel, and there was still an issue. In other words, since it is not possible to centrally manage the importance of channels and operations that customers place importance on, there is the problem that it is not possible to properly weight processes during performance design, which should be based on such phenomena.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a technique that enables accurate weighting control of business processes based on the importance of channels and business in a financial institution.

A channel control device according to the present invention for solving the above problems comprises: a storage device for holding user information indicating the attributes of each user in a financial institution; Based on the identification information of the originating user of each processing request shown, a process of specifying attributes of the user from the user information, a process of linking the specified attributes to the record of the process request in the log, and Among them, a process of extracting a record group linked with attributes of a target user group predetermined by the financial institution, counting the appearance frequency of the business or channel indicated by the record of the record group, and and a computing device that identifies a task or channel to be satisfied and executes a process of giving priority to a processing request related to the task or a processing request received via the channel over other processing requests. do.
Further, in the channel control method of the present invention, the information processing device stores user information indicating attributes of each user in a financial institution and a log relating to business processing requests received via a predetermined channel. , a process of identifying attributes of the user from the user information based on the identification information of the originating user of each processing request indicated by the log, and storing the identified attribute in the record of the processing request in the log A linking process, and a process of extracting a record group linked with attributes of a target user group predetermined by the financial institution from among the records, and counting the appearance frequency of the business or channel indicated by the records of the record group. , identifying a task or channel whose appearance frequency satisfies a predetermined standard, and executing a process of giving priority to a processing request related to the task or a processing request received via the channel over other processing requests. characterized by

In addition, the channel control system of the present invention includes: user information indicating the attributes of each user in a financial institution; Based on the identification information of the user originating the request, a process of specifying attributes of the user from the user information, a process of linking the specified attributes to the record of the process request in the log, and A process of extracting a group of records linked with attributes of a target user group predetermined by a financial institution, counting the appearance frequency of the business or channel indicated by the records of the record group, and the business or business whose appearance frequency satisfies a predetermined standard and a channel control device that specifies a channel and performs processing that prioritizes a processing request related to the business or a processing request received via the channel over other processing requests. characterized by

ADVANTAGE OF THE INVENTION According to this invention, weighting control of business processing with good precision based on the importance of a channel and business in a financial institution is attained.

1 is a diagram showing an example of a network that constitutes a channel control system of this embodiment; FIG. It is a figure which shows the hardware structural example of the channel control apparatus in this embodiment. It is a figure which shows the structural example of the log in this embodiment. It is a figure which shows the structural example of user DB in this embodiment. It is a figure which shows the structural example of synthetic|combination data DB in this embodiment. It is a figure which shows the structural example of the business and connection destination priority table of this embodiment. It is a figure which shows the structural example of the channel priority table of this embodiment. FIG. 4 is a diagram showing a flow example of a channel control method in this embodiment; FIG. 4 is a diagram showing a flow example of a channel control method in this embodiment; It is a figure which shows the structural example of the business and connection destination priority table (after an update) in this embodiment. It is a figure which shows the structural example of the channel priority table (after an update) of this embodiment.

<Network configuration>
Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a network configuration diagram that constitutes a channel control system 10 of this embodiment. The channel control system 10 shown in FIG. 1 is a computer system that enables highly accurate weighting control of business processing based on the importance of channels and business in a financial institution.

The channel control system 10 of this embodiment is composed of a channel control device 100, a channel 200, and an execution system 300, which are connected via a network 1, as shown in FIG. A plurality of devices including at least the channel control device 100 among these devices will be collectively referred to as a channel control system 10 .

The channel control device 100 of this embodiment can be said to be a service providing device that mediates and controls processing between a business system in a financial institution and various channels 200 . Specifically, a server device that publishes an API (Application Programming Interface) to predetermined devices inside and outside financial institutions is assumed.

On the other hand, the channel 200 is a terminal or an external system operated by a bank employee or a user when using various financial services provided by the financial institution described above. As specific examples, ATMs, teller terminals, center terminals, smartphones, tablet terminals, personal computers, etc. can be assumed.

Also, the execution system 300 is a business system that actually executes financial operations in a financial institution. It is assumed that this execution system 300 is constructed and operated for each type of business such as transfer business, deposit/withdrawal business, investment trust business, and accounting system.

Note that the execution system 300 described above is built and operated on an on-premises platform based on the relationship between security policies and various regulations in financial institutions, and a policy different from such a policy is adopted, and a cloud platform is used. It is assumed that the one that is constructed and operated coexists.

As the execution system 300 constructed and operated on an on-premises base, for example, transfer business and deposit/withdrawal business can be assumed. Also, an investment trust business can be assumed as the execution system 300 constructed and operated on a cloud platform. Of course, such an operation example is merely an example, and the application target and the like are not limited.
<Hardware configuration>
FIG. 2 shows the hardware configuration of the channel control device 100 that mainly constitutes the channel control system 10 of this embodiment.

That is, the channel control device 100 includes a storage device 101, a memory 103, an arithmetic device 104,
, and a communication device 105 .

Among them, the storage device 101 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Also, the memory 103 is composed of a volatile memory element such as a RAM (Random Access Memory).

Arithmetic device 104 is a CPU (Central Processing Unit) that reads program 102 stored in storage device 101 into memory 103 and executes it, performs overall control of the device itself, and performs various determinations, calculations, and control processes. be.

It is assumed that the program 102 includes a library of functions, procedures, variables, data structures, etc. that implement an API (Application Programming Interface).

Also, the API can include two types, an external API and an internal API. The external API is a so-called open API that receives processing requests from (channels of) businesses other than the above-described financial institutions and returns processing results. The internal API is an API that receives a processing request from a channel (eg, ATM, teller terminal, center terminal, etc.) operated by a financial institution and returns a processing result.

Also, the communication device 105 is assumed to be a network interface card or the like that connects to the network 1 and performs communication processing with the channel 200 and the execution system 300 .

In addition to the program 102 for implementing the functions necessary for the channel control device 100 of this embodiment, the storage device 101 also contains a log 125, a user DB 126, a combined data DB 127, and a task/connection destination priority table 128. , and a channel priority table 129 are stored at least. However, the details of these databases and tables will be described later.
<Data structure example>
Next, various types of information used by the channel control device 100 of this embodiment will be described. FIG. 3 shows an example of the log 125 in this embodiment. The log 125 of the present embodiment is a history group of processing requests for operations desired by customers (users) of the financial institution received via each channel 200 .

For example, this log 125 uses a log ID to uniquely identify the log as a key, and includes data such as the processing time of the task indicated by the log, the channel of the connection source, the task as the processing content, and the user ID that uniquely identifies the user. It is an aggregate of linked records.

FIG. 4 shows an example of the user DB 126 in this embodiment. The user DB 126 in this embodiment is a database that stores information on users who are customers of financial institutions.

Specifically, it is a set of records in which data such as the user's sex, address, name, age, and financial assets are associated with a user ID that uniquely identifies the user as a key.

FIG. 5 shows an example of the combined data DB 127 in this embodiment. The combined data DB 127 in this embodiment is a database that stores data obtained by merging the history of a certain business process indicated by the log 125 and the information of the user who issued the processing request that is the origin of the history.

Specifically, it is a set of records in which data such as processing time, user attribute information, channel, business, and user ID are linked with a log ID as a key.

Among these, the value of the "user attribute information" column corresponds to the value extracted from the record of the user DB 126 . In the example of FIG. 5, the "user attribute information" column shows a situation in which each value of gender and age is stored, but the present invention is not limited to this. For example, values such as addresses and financial assets may be stored.

FIG. 6 shows an example of the business/connection destination priority table 128 in this embodiment. The business/connection destination priority table 128 in this embodiment is a table that defines the priority of each business in the financial institution and various information on the execution system.

This work/connection destination priority table 128 includes, for example, the work name as a key, the priority of the work (among the work), and the base type of the execution system to which the processing request related to the work is received by the API and connected. (cloud platform or on-premise platform), and the identification information of the relevant execution system.

Also, FIG. 7 shows an example of the channel priority table 129 in this embodiment. The channel priority table 129 in this embodiment is a table that defines priority information (among channels) for each type of channel that is the source of the processing request described above.

The channel priority table 129 is, for example, a set of records in which the channel type is used as a key and the priority value of the channel is linked.
<Channel control method flow 1>
The actual procedure of the channel control method in this embodiment will be described below with reference to the drawings. Various operations corresponding to the channel control method described below are implemented by a program that the channel control device 100 reads out to a memory or the like and executes. This program is composed of codes for performing various operations described below.

FIG. 8 is a diagram showing a flow example of a channel control method according to this embodiment. In this case, the channel control device 100 receives a job processing request from each of the plurality of channels 200 within a certain period of time (s10). Businesses targeted by this processing request are, for example, deposits and withdrawals, money transfer, account balance inquiries, and wills.

Subsequently, the channel control device 100 stores the processing request received in s10 in the log 125 (s11).

The channel control device 100 repeats the processes of s10 and s11 described above for a certain period of time, and determines whether a prescribed amount of history (records) has been stored in the log 125 (s12).

If the result of determination in s12 is that the predetermined amount of history has been stored in the log 125 (s12: Yes), the channel control device 100 terminates this flow. On the other hand, if the result of determination in s12 is that the predetermined amount of history has not yet been stored in the log 125 (s12: No), the channel control device 100 returns the process to s10.
<Channel control method flow 2>
Next, assuming that the log 125 contains a certain number of histories, a method of performing priority control for processing requests to be received thereafter based on the log 125, the user DB 126, etc. will be described. .

In this case, the channel control device 100 extracts attribute information of the user from each record of the user DB 126 based on the user ID in the history of each processing request indicated by the log 125 (s20).

Also, the channel control device 100 associates the attribute information obtained in s20 with the record of the processing request in the log 125 to generate a new record, and stores this in the combined data DB 127 (s21).

Subsequently, the channel control device 100 extracts a group of records associated with the attributes of the target group predetermined by the financial institution (for example, women in their thirties) from among the records stored in the combined data DB 127 (s22). .

This target group is a group of users that the financial institution has strategically conceived as a business target at the branch or all branches, and can be assumed to be a group of people with specific attributes. Alternatively, it is also possible to assume those who are the mass customer base at the relevant sales office or at all sales offices.

Subsequently, the channel control device 100 counts the appearance frequency of the business or channel indicated by the records included in the record group extracted in s22 (s23). In this case, for example, records in which the user is "female in her thirties" are classified according to tasks such as "deposit", "withdrawal", "transfer", and "will", or records such as "sales office terminal", "IB", etc. Classify by channel and count the number of records included in the classification result.

In addition, when counting the frequency of appearance described above, the frequency of appearance of the business or channel indicated by the records of the record group may be counted for each processing time period. For example, a record where the user is "female in her thirties" is classified by business such as "deposit", "withdrawal", "transfer", "will", or by channel such as "branch terminal", "IB", etc. After classifying, the records included in the classification result are further classified by time zone (for example, morning/afternoon) indicated by "processing time", and the number is counted.

Subsequently, the channel control device 100 obtains the count result in s23, that is, the number of records (
(s24). For example, a business/channel that has more applicable records than other businesses, a business/channel that has more applicable records than other businesses by a predetermined ratio or more, and the like are identified.

Also, the channel control device 100 increases the priority value set in the service/connection destination priority table 128 at a predetermined rate for the business specified in s24 (the underlined portion in FIG. 10 is the target of increase). Alternatively, for the channel specified in s24, the priority value set in the channel priority table 129 is increased at a predetermined rate (the underlined portion in FIG. 11 is the target of increase) (s25).

When receiving a processing request thereafter, the channel control device 100 refers to the priority values set in the above-described service/connection destination priority table 128 and channel priority table 129, and according to the values, The processing of the processing request is preferentially executed (s26).

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and can be variously modified without departing from the scope of the invention.

According to this embodiment, accurate weighting control of business processing can be performed based on the importance of channels and business in a financial institution.

At least the following will be clarified by the description of this specification. That is, in the channel control device of the present embodiment, the storage device further holds priority information for each service and priority information for each type of the channel that is the request source of the service, and the calculation The device performs a process of increasing the priority value of the job in the priority information for each job for jobs whose frequency of occurrence satisfies a predetermined standard, or a channel whose frequency of appearance satisfies a predetermined standard, the channel In the priority information for each type of channel, processing for increasing the priority value of the channel may be executed.

According to this, the weighting definition of business (information of priority for each business) and the weighting definition of channel (information of priority for each type of channel) are appropriately defined in advance, and the relevant Definition accuracy can be improved efficiently. As a result, more accurate weighting control of business processing based on the importance of channels and business in the financial institution becomes possible.

Further, in the channel control device of the present embodiment, when counting the frequency of appearance, the arithmetic device counts the frequency of appearance for each time zone of the business or channel indicated by the record of the record group, and the frequency of appearance is a predetermined criterion. A task or channel that satisfies the requirements may be specified, and control may be performed to give priority to a processing request related to the task or a processing request received via the channel over other processing requests in the relevant time period.

According to this, even in one sales office, it is possible to appropriately cope with the situation where the trend of transactions and channels assumed by financial institutions or desired by users differs for each time zone, and the texture of weighting control regarding processing requests It can be done delicately. As a result, it is possible to perform more accurate weighting control of business processing based on the importance of channels and business in the financial institution.

Further, in the channel control method of the present embodiment, the information processing device stores, in the storage device, priority information for each business and priority information for each type of channel that is a request source of the business. Furthermore, with regard to a task whose frequency of appearance satisfies a predetermined standard, processing for increasing the priority value of the task in the priority information for each task, or for a channel whose frequency of appearance satisfies a predetermined standard, the above A process of increasing the priority value of the channel in the priority information for each channel type may be executed.

Further, in the channel control method of the present embodiment, when counting the frequency of appearance, the information processing device counts the frequency of appearance for each time zone of the business or channel indicated by the records of the record group, and A task or channel that satisfies the criteria may be identified, and control may be performed to give priority to a processing request related to the task or a processing request received via the channel over other processing requests in the time period.

1 network 10 channel control system 100 channel control device 101 storage device 102 program 103 memory 104 arithmetic device 105 communication device 125 log 126 user DB
127 synthetic data DB
128 business/connection destination priority table 129 channel priority table 200 channel 300 execution system

Claims (7)

a storage device holding user information indicating the attributes of each user in a financial institution and a log relating to business processing requests received via a predetermined channel;
A process of identifying attributes of the user from the user information based on the identification information of the originating user of each processing request indicated by the log, and a process of linking the identified attribute to the record of the processing request in the log; a process of extracting a group of records linked with attributes of a target user group predetermined by the financial institution from among the records, and counting the appearance frequency of the business or channel indicated by the records of the record group; A computing device that identifies a task or a channel that satisfies a predetermined criterion, and executes a process of giving priority to a processing request related to the task or a processing request received via the channel over other processing requests;
A channel control device comprising: The storage device
further holding priority information for each service and priority information for each type of channel that is a request source of the service;
The computing device is
For a job whose appearance frequency satisfies a predetermined standard, a process for increasing the priority value of the job in the priority information for each job, or for a channel whose appearance frequency satisfies a predetermined standard, for each channel type In the priority information of the channel, it executes a process to increase the priority value of the channel,
2. The channel control device according to claim 1, wherein: The computing device is
When counting the frequency of appearance, the frequency of appearance of the business or channel indicated by the records of the record group is counted for each time period, and the business or channel whose appearance frequency satisfies a predetermined standard is specified, or the processing request received via the channel, it controls to give priority to other processing requests,
2. The channel control device according to claim 1, wherein: The information processing device
User information indicating the attributes of each user in the financial institution and logs related to business processing requests received via a predetermined channel are held in a storage device,
A process of identifying attributes of the user from the user information based on the identification information of the originating user of each processing request indicated by the log, and a process of linking the identified attribute to the record of the processing request in the log; a process of extracting a group of records linked with attributes of a target user group predetermined by the financial institution from among the records, and counting the appearance frequency of the business or channel indicated by the records of the record group; Identifying a task or channel that satisfies a predetermined criterion, and executing a process of giving priority to a processing request related to the task or a processing request received via the channel over other processing requests;
A channel control method characterized by: The information processing device
wherein the storage device further retains priority information for each service and priority information for each type of channel that is a request source of the service;
For a job whose appearance frequency satisfies a predetermined standard, a process for increasing the priority value of the job in the priority information for each job, or for a channel whose appearance frequency satisfies a predetermined standard, for each channel type Execute processing to increase the priority value of the channel in the priority information of
5. The channel control method according to claim 4, characterized by: The information processing device
When counting the frequency of appearance, the frequency of appearance of the business or channel indicated by the records of the record group is counted for each time period, and the business or channel whose appearance frequency satisfies a predetermined standard is specified, to give priority to processing requests related to or processing requests received through the channel over other processing requests,
5. The channel control method according to claim 4, characterized by: a storage device holding user information indicating the attributes of each user in a financial institution and a log relating to business processing requests received via a predetermined channel;
A process of identifying attributes of the user from the user information based on the identification information of the originating user of each processing request indicated by the log, and a process of linking the identified attribute to the record of the processing request in the log; a process of extracting a group of records linked with attributes of a target user group predetermined by the financial institution from among the records, and counting the appearance frequency of the business or channel indicated by the records of the record group; A computing device that identifies a task or a channel that satisfies a predetermined criterion, and executes a process of giving priority to a processing request related to the task or a processing request received via the channel over other processing requests;
A channel control system comprising: a channel control device comprising:

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