Linkage device, linkage method, and linkage program

Abstract

To facilitate connection with the Zengin Data Telecommunication System.SOLUTION: A linkage device has a control unit that performs processing of: receiving a first telegram message from a first connection destination system among a plurality of connection destination systems; referring to distribution information in which information for specifying the connection destination system and information indicating a communication path at the time of connecting to the Zengin Data Telecommunication System are associated with each other for each of the plurality of connection destination systems to specify a communication path corresponding to the first connection destination system; performing first processing of adapting the first telegram message to a specification of the Zengin Data Telecommunication System; and transmitting the first telegram message subjected to the first processing and information indicating the specified communication path to an external connection system for connecting to the Zengin Data Telecommunication System.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a linking device, a linking method, and a linking program. [Background technology]

[0002] Traditionally, transactions between domestic financial institutions have been conducted by connecting to the National Bank Data Communication System (Zengin System) and passing through the Zengin Center within the Zengin System. Also, traditionally, each domestic financial institution created its own external connection system to connect to the Zengin System, separate from its internal accounting system, and used the external connection system to convert the communication procedures and data formats of its accounting system into the unique communication procedures (Zengin TCP / IP) and data formats defined by the Zengin System. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2010-277344 A Summary of the Invention [Problem to be solved by the invention]

[0004] Traditionally, new businesses entering the financial industry were required to build their own external connection system to connect to the Zengin System, which required a lot of time and cost to build. In recent years, the eligibility to participate in the Zengin System has been expanded, and it is expected that the number of new businesses entering the financial industry will increase. For this reason, there is a demand for a mechanism that allows multiple businesses to share the external connection system to connect to the Zengin System.

[0005] In one aspect, the present invention aims to facilitate connection with a national bank data communication system. [Means for solving the problem]

[0006] In one aspect, the interconnection device has a control unit that executes a process to receive a first telegram from a first destination system among a plurality of destination systems, identify a communication path corresponding to the first destination system by referring to distribution information that corresponds, for each of the plurality of destination systems, information identifying the destination system with information indicating a communication path when connecting to a Zengin system, perform a first process on the first telegram to conform to the specifications of the Zengin system, and transmit the first telegram that has been subjected to the first process and information indicating the identified communication path to an external connection system for connecting to the Zengin system. Effect of the Invention

[0007] It will be easy to connect to the nationwide bank data communication system. [Brief description of the drawings]

[0008] [Figure 1] FIG. 2 is a diagram illustrating a system configuration of a linkage system. [Diagram 2] FIG. 2 illustrates an example of a hardware configuration of a cooperative device. [Diagram 3] FIG. 2 is a diagram illustrating a functional configuration of a linked device. [Figure 4] 1 is a diagram illustrating communication paths between a bank system and a bank center. [Diagram 5] FIG. 13 is a diagram illustrating an example of a distribution database. [Figure 6] FIG. 11 is a sequence diagram illustrating a first operation of the linkage system. [Figure 7] 13 is a flowchart illustrating a process of a distribution unit in a first operation. [Figure 8] 11 is a flowchart illustrating a first process. [Figure 9] 13 is a flowchart explaining the processing of the transaction classification management section. [Figure 10] FIG. 11 is a sequence diagram illustrating a second operation of the linkage system. [Figure 11]13 is a flowchart illustrating a process of a distribution unit in a second operation. [Figure 12] 13 is a flowchart illustrating a second process. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment will be described below with reference to the drawings. Fig. 1 is a diagram illustrating a system configuration of a linkage system.

[0010] The linkage system 1 of this embodiment communicates with each of the connection destination systems included in the connection destination system group 2. The linkage system 1 also communicates with the All-Banks Center 3.

[0011] The linkage system 1 of this embodiment is provided on a public cloud, and connects destination systems included in a destination system group 2 to the all-bank center 3. The linkage system 1 will be described in detail later.

[0012] The destination system group 2 of this embodiment includes, for example, destination systems 400-1, 400-2, ..., 400-N. The destination systems 400-1 and 400-2 may be, for example, accounting systems, and the destination system 400-N may be, for example, a payment agency system. In the following description, when there is no need to distinguish between the destination systems, they are simply referred to as destination systems 400.

[0013] The destination system 400 of this embodiment is a core system that handles deposits and withdrawals, settlement of funds, account management, and control of connections with external systems in financial institutions. The destination system 400 of this embodiment uses a WebAPI (Web Application Programming Interface) as a connection interface with external systems, and performs communication in accordance with the HTTP communication protocol. The destination system 400 of this embodiment may be provided by, for example, a foreign business operator.

[0014] In this embodiment, the destination system 400 and the linking system 1 are a bank system 10 introduced in a financial institution having the destination system 400. Therefore, the linking system 1 of this embodiment is shared by the bank systems 10 of the financial institution having each destination system 400 included in the destination system group 2.

[0015] The All-Bank Center 3 is included in the nationwide bank data communication system, and processes transactions between financial institutions such as banks. Transactions between financial institutions such as banks include remittances and money transfers. The All-Bank Center 3 is connected to the Linkage System 1 via a unique interface.

[0016] The following is a further description of the linkage system 1. The linkage system 1 of this embodiment includes a linkage device 100, a message database 200, and an external connection system 300.

[0017] The linkage device 100 is connected between the message database 200 and the connection destination system group 2, and has a linkage processing unit 110 and a distribution database 120. The message database 200 stores messages after processing by the linkage processing unit 110 and messages received by the external connection system 300 from the All-Bank Center 3. The external connection system 300 is connected between the message database 200 and the All-Bank Center 3, and is responsible for connecting the All-Bank Center 3 to the connection destination system 400, which is an internal system of a financial institution.

[0018] In the following explanation, the operation of the linkage system 1 transmitting the message received from the connected system 400 to the all-bank center 3 is described as the first operation, and the operation of the linkage system 1 transmitting the message received from the all-bank center 3 to the connected system 400 is described as the second operation.

[0019] In the following description, the message received by the linkage system 1 from the destination system 400 is called a first message, and the message received from the external connection system 300 is called a second message.

[0020] In a first operation, the coordination processing unit 110 of the coordination device 100 refers to the distribution database 120 and identifies a communication path for transmitting a first electronic message received from the connection destination system 400 to the All-Bank Center.

[0021] The distribution database 120 stores distribution information that corresponds information identifying each destination system 400 included in the destination system group 2 with information indicating the communication path for transmitting the first message to the All-Bank Center 3.

[0022] In addition, the communication path in this embodiment is allocated in advance by the All-Bank Center 3 to the financial institutions that have introduced the destination system 400, and the first message includes information that identifies the destination system 400 that is the sender of the first message.

[0023] When the linkage processing unit 110 receives the first electronic message, it processes the first electronic message to make it conform to the specifications of the all-bank center 3, and stores the first electronic message after processing in the electronic message database 200 together with information indicating the identified communication path. In the following explanation, the processing to make the first electronic message conform to the specifications of the all-bank center 3 is referred to as the first processing.

[0024] The external connection system 300 transmits the first processed first electronic message stored in the electronic message database 200 to the all-bank center 3 via the identified communication path. At this time, the external connection system 300 limits the amount of the first electronic message to be transmitted to the all-bank center 3 so that a large amount of the first electronic message is not transmitted to the all-bank center 3 in a short period of time.

[0025] In the second operation, when the external connection system 300 receives the second electronic message from the all-bank center 3, it stores the second electronic message in the electronic message database 200. The second electronic message received from the all-bank center 3 includes information indicating the communication path between the all-bank center 3 and the external connection system 300.

[0026] When the collaboration device 100 acquires the second message stored in the message database 200, the collaboration processing unit 110 refers to the distribution database 120 to identify the connected system 400 to which the second message received from the all-bank center 3 is to be sent.

[0027] Furthermore, the cooperation processing unit 110 processes the second message received from the all-bank center 3 to conform to the specifications of the identified destination system 400, and transmits the processed second message to the identified destination system 400. In the following description, the process to conform to the specifications of the destination system 400 is referred to as the second process.

[0028] In this embodiment, in the first operation, the linkage system 1 adds information indicating the communication path allocated to the connection destination system 400 that is the sender of the first message to the first message received by the linkage device 100 and transmits the message to the external connection system 300, and the external connection system 300 transmits the first message to the all-bank center 3 via the communication path indicated by the information. Also, in the second operation, the linkage system 1 identifies the destination of the second message received from the all-bank center 3 from the group of connection destination systems 2 and transmits the message.

[0029] Therefore, according to this embodiment, multiple connection destination systems 400 can share the external connection system 300 that connects to the All-Bank Center 3. Therefore, according to this embodiment, a business operator newly entering the financial industry does not need to independently build an external connection system 300 for connecting to the All-Bank Center 3, and the burden of system construction can be reduced. Furthermore, in this embodiment, since there is no need to independently build an external connection system 300, connection between the connection destination systems 400 and the All-Bank Center 3 can be achieved at low cost and in a short period of time.

[0030] Furthermore, in this embodiment, in the first operation, the linkage device 100 performs a first process on the message received from the destination system 400, and in the second operation, the linkage device 100 performs a second process on the message received from the all-bank center 3. Therefore, in this embodiment, the destination system 400 does not need to be provided with the Japan-specific functions that conventional accounting systems have, and the destination system 400 can easily link with the external connection system 300. Details of the Japan-specific functions will be described later.

[0031] 1, the coordinating device 100 is one information processing device, but is not limited to this. The coordinating device 100 may be realized by a plurality of information processing devices. The electronic message database 200 may be provided inside the coordinating device 100.

[0032] Next, the coordinating device 100 of the present embodiment will be described with reference to Figures 2 to 5. Figure 2 is a diagram showing an example of the hardware configuration of the coordinating device.

[0033] The collaboration device 100 of this embodiment is a computer including an input device 11, an output device 12, a drive device 13, an auxiliary storage device 14, a memory device 15, an arithmetic processing device 16, and an interface device 17, all of which are interconnected via a bus B.

[0034] The input device 11 is a device for inputting various types of information and may be realized by, for example, a keyboard, a pointing device, etc. The output device 12 is for outputting various types of information and may be realized by, for example, a display, etc. The interface device 17 includes a LAN card, etc., and is used for connecting to a network.

[0035] The coordination program that realizes the coordination processing unit 110 possessed by the coordination device 100 is at least a part of various programs that control the coordination device 100. The coordination program is provided, for example, by distribution of a recording medium 18 or by downloading from a network. The recording medium 18 on which the coordination program is recorded can be of various types, including recording media that optically, electrically, or magnetically record information, such as a CD-ROM, a flexible disk, or a magneto-optical disk, and semiconductor memories that electrically record information, such as a ROM or a flash memory.

[0036] When the recording medium 18 on which the linking program is recorded is set in the drive device 13, the linking program recorded on the recording medium 18 is installed in the auxiliary storage device 14 from the recording medium 18 via the drive device 13. The linking program downloaded from the network is installed in the auxiliary storage device 14 via the interface device 17.

[0037] The auxiliary storage device 14 which realizes the distribution database 120 of the coordinating device 100 stores the coordinating program installed in the coordinating device 100, and also stores various files, data, etc. required by the coordinating device 100. The memory device 15 reads out the coordinating program from the auxiliary storage device 14 and stores it when the coordinating device 100 is started up. The arithmetic processing device 16 realizes various processes as described below in accordance with the coordinating program stored in the memory device 15.

[0038] Next, functions of the coordination processing unit 110 of the coordination device 100 will be described with reference to Fig. 3. Fig. 3 is a diagram illustrating the functional configuration of the coordination device.

[0039] The coordination device 100 of this embodiment includes a coordination processing unit 110 and a distribution database 120. The coordination processing unit 110 is realized by the arithmetic processing device 16 reading and executing a coordination program stored in the memory device 15 or the like. The coordination processing unit 110 is an example of a control unit.

[0040] The linkage processing unit 110 has a message reception unit 130 , a distribution unit 140 , a serial number management unit 150 , a transaction classification management unit 160 , a relay unit 170 , a matching determination unit 180 , and a matching unit 190 .

[0041] The message reception unit 130 receives a first message transmitted from the connection destination system 400. The message reception unit 130 also receives a second message transmitted from the all-bank center 3 via the external connection system 300 and the message database 200.

[0042] The distribution unit 140 distributes the communication path when transmitting the first electronic message to the all-bank center 3. In other words, the distribution unit 140 specifies the communication path when transmitting the first electronic message to the all-bank center 3. The distribution unit 140 also distributes the destination of the second electronic message for each connection destination system 400. In other words, the distribution unit 140 specifies the connection destination system 400 to which the second electronic message is to be transmitted.

[0043] The serial number management unit 150 assigns an upstream serial number to the first electronic message transmitted to the all-bank center 3 for each connected system 400. The upstream serial number is a serial number unique to the all-bank system that is assigned to the first electronic message when a transaction is requested from the connected system 400, and is linked to the connected system 400. In this embodiment, by assigning an upstream serial number to the first electronic message for each connected system 400 in this manner, the number of transactions requested by each connected system 400 to the all-bank center 3 can be managed.

[0044] Furthermore, the serial number management unit 150 manages the continuity of the second electronic message received from the all-bank center 3 for each communication path. Specifically, the serial number management unit 150 determines whether the downstream serial number assigned to the second electronic message received from the all-bank center 3 is consecutive with the downstream serial number assigned to the second electronic message previously received on this communication path. The downstream serial number is a serial number unique to the all-bank system that is assigned to the second electronic message when a transaction is requested from the connected system 400.

[0045] In this embodiment, by determining the continuity of the downstream sequence numbers of the second telegrams for each logical path in this manner, it is possible to manage whether or not any second telegrams have been missed from the All-Bank Center 3.

[0046] The transaction classification management unit 160 manages the handling classification of transactions based on the transaction information included in the first electronic message. Specifically, the transaction classification management unit 160 manages the time period in which transactions are executed according to the time when the first electronic message is transmitted. The details of the processing of the transaction classification management unit 160 will be described later.

[0047] The relay unit 170 relays to a downstream system the message received by the message receiving unit 130. Details of the relay unit 170 will be described later.

[0048] The matching determination unit 180 determines whether the type of transaction specified by the transaction classification management unit 160 is a transaction that requires matching processing. Depending on the result of the determination by the matching determination unit 180, the matching unit 190 performs matching of the number of transactions, the transaction amounts, etc.

[0049] The following describes the functions of the relay unit 170. The relay unit 170 includes a protocol conversion unit 171 and a transmission unit 172.

[0050] When the protocol conversion unit 171 receives a first message according to the HTTP communication protocol from the connection destination system 400, it converts the first message according to the HTTP communication protocol into a first message conforming to a communication protocol compatible with the external connection system 300. The communication protocol compatible with the external connection system 300 specifically includes, for example, TCP / IP, COBRA (Common Object Request Broker Architecture), SOAP (Simple Object Access), etc., and is a unique communication procedure defined by the All Banks Center 3.

[0051] Furthermore, when the protocol conversion unit 171 receives from the external connection system 300 a second electronic message conforming to a communication protocol compatible with the external connection system 300, the protocol conversion unit 171 converts this second electronic message into a second electronic message conforming to the HTTP communication protocol. The protocol conversion unit 171 will be described in detail later.

[0052] The transmission unit 172 transmits the converted message, whose communication protocol has been converted by the protocol conversion unit 171, to a downstream system. Specifically, the transmission unit 172 transmits the converted first message, whose communication protocol has been converted by the protocol conversion unit 171, and information indicating the communication path identified by the distribution unit 140 to the external connection system 300. At this time, the transmission unit 172 may store the converted first message and the information indicating the identified communication path in the message database 200 in association with each other, and transmit the converted first message and the information indicating the identified communication path to the external connection system 300 via the message database 200.

[0053] Furthermore, the transmission unit 172 transmits the second telegram, whose communication protocol has been converted by the protocol conversion unit 171, to the downstream destination system 400 specified by the distribution unit 140.

[0054] The following describes protocol conversion unit 171. Protocol conversion unit 171 includes character code conversion unit 173 and allowable character determination unit 174.

[0055] The protocol conversion unit 171 converts the character code of each of the first and second electronic messages by the character code conversion unit 173, and converts the format of the electronic messages into a format compatible with the downstream system.

[0056] Specifically, the character code conversion unit 173 converts a general-purpose character code (e.g., UTF-8) included in the first electronic message received via the HTTP communication protocol into a character code specific to the country. Also, the character code conversion unit 173 converts a character code specific to the country included in the second electronic message into a general-purpose character code.

[0057] The allowable character determination unit 174 determines whether or not the characters indicated by the character codes included in the first electronic message are characters permitted for use in the All-Bank Center 3. In addition, the allowable character determination unit 174 determines, for example, whether or not the number of characters indicated by the first electronic message is equal to or less than a predetermined number of characters.

[0058] Among the functions of the linked device 100, the functions of the serial number management unit 150, the transaction classification management unit 160, the character code conversion unit 173, the allowable character determination unit 174, and the matching unit 190 are functions unique to Japan that are possessed by traditional accounting systems.

[0059] In other words, in the first operation, the process executed by any of these functional units is a first process that makes the first message conform to the specifications of the All-Bank Center 3.

[0060] In addition, in the second operation, the process executed by any of these functional units is a second process for adapting the second telegram to the specifications of the destination system 400 .

[0061] Next, prior to describing the distribution database 120, a communication path between the bank system 10 and the all-bank center 3 will be described with reference to Fig. 4. Fig. 4 is a diagram for explaining a communication path between the bank system and the all-bank center.

[0062] The bank system 10 shown in FIG. 4 will be described as including one destination system 400 included in the destination system group 2, and the linked system 1.

[0063] The All-Bank Center 3 and the external connection system 300 of the bank system 10 are connected by physical paths 41 and 42. The physical paths 41 and 42 are paths constructed by various hardware resources (e.g., ports and cables connecting ports). The physical path 41 is a path constructed for transmitting a first electronic message from the external connection system 300 to the All-Bank Center 3, and the physical path 42 is a path constructed for transmitting a second electronic message from the All-Bank Center 3 to the external connection system 300.

[0064] In this embodiment, logical paths 51 and 52 are set on the physical path 41. The logical paths 51 and 52 are communication paths logically set on the physical path 41. The logical paths 51 and 52 are set in advance by an agreement between the All-Bank Center 3 and a financial institution having the connected system 400.

[0065] In the example of Fig. 4, the number of logical paths is two, but is not limited to this. The number of logical paths set on the physical bus connecting the external connection system 300 and the All-Bank Center 3 may be one, or three or more.

[0066] In the linkage system 1 of this embodiment, the linkage device 100 has distribution information in the distribution database 120 that corresponds information identifying the destination system 400 with a logical path set for the financial institution that has the destination system 400.

[0067] In the linkage system 1 of this embodiment, the linkage system 1 refers to this distribution information and distributes the communication path between the external connection system 300 and the all-bank center 3 to each of the multiple connection destination systems 400.

[0068] The distribution database 120 of this embodiment will be described below with reference to Fig. 5. Fig. 5 is a diagram showing an example of the distribution database.

[0069] The distribution database 120 of this embodiment includes, as information items, a destination system name, a URL (Uniform Resource Locator), a financial institution code, a logical path, etc. In this embodiment, the information in the distribution database 120 to which the values ​​of each item are associated is the distribution information.

[0070] The value of the item "Destination system name" indicates the name of the destination system 400. The value of the item "URL" is the internet address of the destination system 400, and is the connection destination when sending a second message to the destination system 400. The value of the item "Financial institution code" is a financial institution code that identifies the financial institution that owns the destination system 400. The value of the item "Logical path" indicates the communication path with the All Banks Center 3 allocated to the financial institution identified by the financial institution code.

[0071] 5 shows an example in which one logical path is associated with one financial institution code, but multiple logical paths may be associated with one financial institution code. In this case, for example, a URL may be set in advance so that a logical path can be uniquely identified by a combination of the financial institution code and the URL. In the example of FIG. 5, the destination system name and financial institution code are examples of information that identifies the destination system 400, and the logical path is an example of information that indicates a communication route with the all-bank center 3.

[0072] It should be noted that the information items included in the distribution information are not limited to those shown in Fig. 5. The distribution information only needs to include information for identifying the destination system 400 and information indicating the communication path.

[0073] Next, a first operation of the linkage system 1 of this embodiment will be described with reference to Fig. 6. Fig. 6 is a sequence diagram explaining the first operation of the linkage system. Fig. 6 shows the first operation when a financial institution having a destination system 400-1 transmits a first electronic message indicating a transfer request to a financial institution having a destination system 400-2 to the All Banks Center 3.

[0074] The linkage system 1 linkage device 100 receives a first electronic message indicating a transfer request from the destination system 400-1 via the electronic message reception unit 130 (step S601). The first electronic message is transmitted to the linkage device 100 by the HTTP communication protocol.

[0075] The first electronic message received here also includes transaction information, a financial institution code that identifies the financial institution that is the sender of the first electronic message, and the transaction handling category indicated by the first electronic message.

[0076] The transaction information includes, for example, the account information of the transfer destination, the transfer amount, etc. The handling classification is information indicating whether the system in which the transaction is carried out is a core time system or a more time system of the all-bank system.

[0077] The core time system is a system that processes the transaction indicated by the first telegram during the daytime on weekdays, and the more time system is a system that processes the transaction indicated by the first telegram during the nighttime on weekdays and on weekends and holidays.

[0078] When the linked device 100 receives the first electronic message, the distribution unit 140 distributes a communication path for the first electronic message (step S602). In other words, the distribution unit 140 specifies a communication path when the first electronic message is transmitted from the external connection system 300 to the all-bank center 3.

[0079] Next, the linking device 100 performs a first process on the first message to make it conform to the specifications of the All-Bank Center 3, and links the connection destination system 400-1 and the external connection system 300 (step S603). The process of steps S602 and S603 will be described in detail later.

[0080] Next, the linking device 100 transmits the first electronic message that has been subjected to the first process and information indicating the communication path identified in step S602 to the electronic message database 200 by the transmitting unit 172 (step S604). At this time, the electronic message database 200 may notify the external connection system 300 that the first electronic message has been stored from the linking device 100.

[0081] In this embodiment, in the case of a transaction that requires immediacy, the first electronic message does not need to be stored in the electronic message database 200.

[0082] In response to a request from the external connection system 300, the electronic message database 200 transmits the first electronic message that has been subjected to the first process and information indicating the communication path to the external connection system 300 (step S605).

[0083] The first electronic message transmitted here is associated with the inbound sequence number given by the processes in steps S602 and S603 and the logical path.

[0084] The external connection system 300 transmits the first electronic message that has been subjected to the first process to the all-bank center 3 via the identified communication path (step S606).

[0085] Next, the details of the process of the distribution unit 140 in the first operation will be described with reference to Fig. 7. Fig. 7 is a flowchart explaining the process of the distribution unit in the first operation. Fig. 7 shows the details of the process of step S602 in Fig. 6.

[0086] In linked device 100 of this embodiment, distribution unit 140 acquires the financial institution code included in the first electronic message from the first electronic message (step S701).

[0087] Next, the distribution unit 140 refers to the distribution database 120 (step S702) and identifies the logical path associated with the financial institution code (step S703).

[0088] In addition, at this time, if multiple logical paths are associated with the financial institution code, in step S701, in addition to the financial institution code, the URL of the destination system 400-1, which is the sender of the first message, may be obtained to uniquely identify the logical path.

[0089] Furthermore, when multiple logical paths are associated with a financial institution code, the distribution unit 140 may specify an arbitrary logical path from among the multiple logical paths. Next, the first processing of this embodiment will be described with reference to Fig. 8. Fig. 8 is a flowchart for explaining the first processing. The processing in Fig. 8 shows details of the processing in step S603 in Fig. 6.

[0090] When the linkage device 100 of this embodiment completes the specification of the communication path, the sequence number management unit 150 assigns an upstream sequence number corresponding to the connection destination system 400-1 to the first electronic message (step S801).

[0091] The serial number management unit 150 may hold the upstream serial number assigned to the previously received first electronic message for each destination system 400 included in the destination system group 2. Then, when the serial number management unit 150 receives the next first electronic message, it may set the number next to the held number as the upstream serial number of the received first electronic message.

[0092] Next, the linked device 100 registers the handling classification of the first electronic message through the transaction classification management unit 160 (step S802). Specifically, the transaction classification management unit 160 determines whether the transaction indicated by the first electronic message is to be processed in the core time system of the all-bank system or in the more time system. The details of step S802 will be described later.

[0093] Next, the linked device 100, through the allowable character determination unit 174 of the relay unit 170, determines whether or not the characters indicated by the first electronic message are usable at the All-Bank Center 3 (step S803). Specifically, the allowable character determination unit 174 determines whether or not the number of characters indicated by the first electronic message is equal to or less than the number of characters permitted at the All-Bank Center 3, whether or not the characters indicated by the first electronic message are usable at the All-Bank Center 3, and so on.

[0094] In addition, the linked device 100 may transmit an error notification to the connected system 400-1 that is the source of the electronic message when the characters indicated by the first electronic message cannot be used in the All-Bank Center 3. In addition, the allowable character determination unit 174 may reduce the number of characters indicated by the electronic message so that the number of characters can be used in the All-Bank Center 3 when the number of characters included in the first electronic message is larger than the allowable number of characters, for example.

[0095] Next, the linked device 100 converts the character code and format of the first message into a character code corresponding to the system to which the first message is output (step S804) by the character code conversion unit 173 of the protocol conversion unit 171. In other words, the protocol conversion unit 171 converts the first message of the HTTP communication protocol into a message of the communication protocol corresponding to the external connection system 300 connected to the all-bank center 3.

[0096] Next, the processing of transaction classification management unit 160 of linked device 100 will be described with reference to Fig. 9. Fig. 9 is a flowchart explaining the processing of the transaction classification management unit. The processing shown in Fig. 9 shows details of step S802 in Fig. 8.

[0097] In this embodiment, the transaction classification management unit 160 judges whether the time when the first message is received is within the core time (step S901). The core time (first time period) is a time period during which transactions are processed by the core time system, and is a time period during the day on weekdays.

[0098] In step S901, if the reception time is within the core time, the transaction classification management unit 160 sets the handling classification of the transaction contained in the first message to "core time", which indicates that the transaction is processed using the core time system (step S902).

[0099] If the reception time is not within the core time in step S901, transaction classification management unit 160 determines whether the handling classification included in the first electronic message is a message requesting processing by the more time system (step S903).

[0100] In step S903, if the first electronic message is not a message requesting processing by the More Time System, the transaction classification management unit 160 proceeds to step S906, which will be described later.

[0101] In step S903, if the first message is a message requesting processing by the More Time System, the transaction classification management unit 160 determines whether the time the first message was received is near the end of More Time (step S904). More Time (second time period) is the time period during which transactions are processed by the More Time System, and includes nighttime hours on weekdays and on weekends and holidays. In addition, being near the end of More Time refers to, for example, the case where the end time of More Time is the same as the time the message was received.

[0102] In step S904, if the reception time is not near the end of More Time, the transaction classification management unit 160 sets the handling classification of the first message to "More Time", which indicates that the transaction will be processed using the More Time system (step S905).

[0103] In step S904, if the reception time is near the end of more time, or in step S903, if the first message is not a message requesting processing by the more time system, the transaction classification management unit 160 sets the handling classification of the first message to "core time," which indicates that the transaction will be processed by the core time system (step S906).

[0104] In this embodiment, this processing enables a transaction to be processed during the next core time if a first message with a handling classification of "core time" is received during more time.

[0105] Furthermore, in this embodiment, when a first telegram with the handling category set to "More Time" is received just before the end of More Time, the handling category can be changed so that the transaction is carried out during core time immediately after the end of More Time, and the transaction fee can be reduced.

[0106] Next, a second operation of the linkage system 1 of this embodiment will be described with reference to Fig. 10. Fig. 10 is a sequence diagram explaining the second operation of the linkage system. Fig. 10 shows the second operation when a second electronic message indicating a deposit request to a financial institution having the connected system 400-2 is received from the all-banks center 3, and the second electronic message is transmitted to the connected system 400-2.

[0107] The linkage system 1 receives a second telegram indicating a deposit request to the connection destination system 400-2 from the all-bank center 3 (step S1001).

[0108] The second message received here includes transaction information, a financial institution code identifying the financial institution to which the payment is to be made, a transaction classification, an outgoing serial number, and a logical path.

[0109] In the linkage system 1, when the external connection system 300 receives the second electronic message, it stores the second electronic message in the electronic message database 200 (step S1002). When the second electronic message is stored in the electronic message database 200, it transmits the stored second electronic message to the linkage device 100 (step S1003).

[0110] In this embodiment, in the case of a transaction that requires immediacy, the second electronic message does not have to be stored in the electronic message database 200. In addition, since there is a possibility that a transfer may be reversed at a later date, it is preferable to hold the second electronic message in the electronic message database 200.

[0111] When the linking device 100 receives the second electronic message through the electronic message receiving unit 130, the linking device 100 distributes the destination of the second electronic message through the distribution unit 140 (step S1004). Next, the linking device 100 performs a second process on the second electronic message to make it conform to the specifications of the connection destination system 400-2, and links the external connection system 300 and the connection destination system 400-2 (step S1005). The process of steps S1004 and S1005 will be described in detail later.

[0112] Next, the coordination device 100 transmits the second electronic message to the destination system 400-2 (step S1006).

[0113] The process of the allocating unit 140 in the second operation will be described below with reference to Fig. 11. Fig. 11 is a flowchart illustrating the process of the allocating unit in the second operation. Fig. 11 shows details of step S1004 in Fig. 10.

[0114] In this embodiment, when the distribution unit 140 receives the second electronic message, it acquires the financial institution code and the logical path from the second electronic message (step S1101). Next, the distribution unit 140 refers to the distribution database 120 (step S1102), and identifies the connection destination system 400-2 to which the second electronic message is to be sent, based on the logical path and the financial institution code acquired from the second electronic message (step S1103).

[0115] Next, the second processing of this embodiment will be described with reference to Fig. 12. Fig. 12 is a flowchart for explaining the second processing. The processing in Fig. 12 shows details of the processing in step S1005 in Fig. 10.

[0116] The sequence number management unit 150 of the linked device 100 of this embodiment refers to the downstream sequence number of the second telegram received last time from the logical path acquired from the second telegram in step S1101 (step S1201). Note that the sequence number management unit 150 holds the downstream sequence number of the second telegram received last time for each logical path.

[0117] Next, the sequence number management unit 150 determines whether the downstream sequence number acquired in step S1201 and the downstream sequence number included in the second electronic message are consecutive (step S1202).

[0118] In step S1202, if the two downstream serial numbers are not consecutive, the serial number management unit 150 transmits an error indicating that there is a second electronic message that has not been received to the external connection system 300 (step S1203). This error may be a request to resend the second electronic message that has not been received.

[0119] In step S1202, if the two downstream serial numbers are consecutive, the linked device 100 uses the transaction classification management unit 160 to identify the type of transaction indicated by the second electronic message (step S1204). Specifically, for example, the transaction classification management unit 160 may hold association information that associates the format of the second electronic message with the type of transaction. The transaction classification management unit 160 refers to this association information and identifies the type of transaction indicated by the second electronic message based on the format of the received second electronic message.

[0120] Next, the linked device 100 determines whether or not the transaction indicated by the second electronic message is a transaction for which matching is required, by using the matching determination unit 180 (step S1205). Note that the matching determination unit 180 of this embodiment may hold list information indicating a list of transaction types for which matching is required, and may refer to this list information to determine whether or not matching is required for the transaction indicated by the second electronic message.

[0121] If it is determined in step S1205 that matching is necessary, the coordinated apparatus 100 proceeds to step S1207, which will be described later.

[0122] For example, when a message indicating a transaction amount inquiry notice is sent as the second message, the matching determination unit 180 may determine that the transaction requires matching. The transaction amount inquiry notice requests a match between the number of transactions performed on that day and the total amount.

[0123] If it is determined in step S1205 that matching is not required, the linked device 100 causes the character code conversion unit 173 of the relay unit 170 to convert the character code and format of the received second electronic message into a character code compatible with the destination system 400-2 to which the second electronic message is to be sent (step S1206). In other words, the protocol conversion unit 171 converts the communication protocol of the second electronic message into a communication protocol compatible with the destination of the second electronic message.

[0124] Also, if it is determined in step S1205 that matching is necessary, the linkage device 100 performs matching according to the second message using the matching unit 190 (step S1207), outputs the matching result to the external connection system 300, which is the sender of the second message (step S1208), and terminates the processing.

[0125] In addition, the external connection system 300 may transmit the result of the matching received from the linked device 100 to the all-bank center 3.

[0126] In this way, in this embodiment, the Japan-specific functions (serial number management unit 150, transaction classification management unit 160, character code conversion unit 173, allowable character determination unit 174, matching unit 190) that are possessed by conventional accounting systems (connected systems) can be realized in the linked device 100 for each connected system 400.

[0127] In addition, in this embodiment, by setting up the linkage system 1 on a public cloud, it can be shared by multiple connected systems 400, thereby reducing the burden of system construction that is a barrier for new businesses entering the financial industry.

[0128] The disclosed technology may take the following forms as described below. (Appendix 1) receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; A linkage device having a control unit that executes processing to transmit the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the all-bank system. (Appendix 2) The control unit is receiving a second message from the external connection system; Identifying a destination system to which the second electronic message is to be sent, based on information indicating a communication path through which the second electronic message was received and the distribution information; performing a second process for adapting the second telegram to a specification of the identified destination system; 2. A linkage device as described in claim 1, which executes a process of transmitting the second telegram having undergone the second processing to the identified destination system. (Appendix 3) The linkage device according to claim 1 or 2, wherein the first process includes a process of assigning to the first message a serial number unique to the All-Bank System that is linked to the first connected system. (Appendix 4) The first process includes: A linked device as described in any one of appendices 1 to 3, including processing for, when the handling classification of the first electronic message is a classification indicating that processing is to be performed in a first time period and the time at which the first electronic message was received is a second time period different from the first time period, executing the transaction indicated by the first electronic message in the next first time period after the second time period has passed. (Appendix 5) The first process includes: A coordination device as described in Appendix 4, which changes the handling classification of the first telegram to a classification indicating that processing will be performed in the first time period when the handling classification of the first telegram is a classification indicating that processing will be performed in the second time period and when the time when the first telegram is received is shortly before the end of the second time period. (Appendix 6) The second process includes: determining whether or not a sequence number included in the second telegram is consecutive to a sequence number included in a second telegram received immediately before via the same communication path as the communication path through which the second telegram was received; A linkage device as described in Appendix 2, which includes a process of requesting the external connection system to resend an unreceived second telegram when the serial number included in the second telegram is not consecutive with the serial number included in the second telegram received immediately before. (Appendix 7) The first process includes: A linkage device as described in any one of appendix 1 to 6, which includes a process of converting characters contained in the first message of the HTTP communication protocol received from the first connection destination system into a first message of a communication protocol corresponding to the external connection system when the characters are characters permitted for use in the All-Bank System. (Appendix 8) The first process includes: The linkage device according to claim 7, further comprising a process for converting a character code used in the first message of the HTTP communication protocol into a character code used in the Zengin System. (Appendix 9) converting the second message of a communication protocol corresponding to the external connection system received from the external connection system into a second message of the HTTP communication protocol; 3. The linkage device according to claim 2, which causes the computer to execute a process of outputting the converted second telegram to the identified destination system. (Appendix 10) A computer-based collaboration method, comprising: receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; A coordination method for executing processing, which transmits the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the all-bank system. (Appendix 11) receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; An interconnection program that causes a computer to execute processing to send the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the Zengin System. The invention is not limited to the specifically disclosed embodiments, but various modifications and variations are possible without departing from the scope of the appended claims. [Explanation of symbols]

[0129] 1. Collaborative Systems 2. Connected Systems 3 Zengin Center 10. Banking System 100 Linkage Device 110 Collaboration Processing Unit 120 Distribution Database 130 Telegram Reception Department 140 Distribution Department 150 Serial number management department 160 Transaction Classification Management Department 170 Relay Section 171 Protocol Conversion Unit 180 Match determination section 190 Butt joint 200 Telegram Database 300 External Connection System 400 Connected System

Claims

1. receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; A linkage device having a control unit that executes processing to transmit the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the all-bank system.

2. The control unit is receiving a second message from the external connection system; Identifying a destination system to which the second electronic message is to be sent, based on information indicating a communication path through which the second electronic message was received and the distribution information; performing a second process for adapting the second telegram to a specification of the identified destination system; The linkage device according to claim 1 , further comprising a step of transmitting the second electronic message having undergone the second process to the identified destination system.

3. The linkage device according to claim 1 or 2, wherein the first process includes a process of assigning a serial number unique to the All-Bank System, which is linked to the first destination system, to the first electronic message.

4. The first process includes: A collaborative device as described in claim 1 or 2, further comprising a process for, when the handling classification of the first telegram is a classification indicating that processing is to be performed in a first time period and the time at which the first telegram was received is a second time period different from the first time period, executing the transaction indicated by the first telegram in the next first time period after the second time period has passed.

5. The first process includes: A coordination device as described in claim 4, which changes the handling classification of the first telegram to a classification indicating that processing will be performed in the first time period when the time at which the first telegram is received is shortly before the end of the second time period.

6. The second process includes: determining whether or not a sequence number included in the second telegram is consecutive to a sequence number included in a second telegram received immediately before via the same communication path as the communication path through which the second telegram was received; The linkage device according to claim 2, further comprising a process for requesting the external connection system to resend an unreceived second telegram when the serial number contained in the second telegram is not consecutive with the serial number contained in the second telegram received immediately before.

7. A computer-based collaboration method, comprising: receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; A coordination method for executing processing, which transmits the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the all-bank system.

8. receiving a first telegram from a first destination system among the plurality of destination systems; Identifying a communication path corresponding to the first destination system by referring to distribution information that associates, for each of the plurality of destination systems, information that identifies the destination system with information that indicates a communication path when connecting to the Zengin system; performing a first process for conforming the first telegram to the specifications of the Zengin System; An interconnection program that causes a computer to execute processing to send the first telegram that has been subjected to the first processing and information indicating the identified communication path to an external connection system for connecting to the Zengin System.

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