Information processing system, information processing apparatus, program, and information processing method

Abstract

To reduce a burden of an operator of a financial institute.SOLUTION: The present invention is directed to an information processing system having a reception unit for receiving a telegraphic message transmitted from an external financial institution, a storage unit for storing telegraphic message information relating to the telegraphic message and status information indicating a processing state of the telegraphic message in association with each other, and a display control unit for, if the telegraphic message information stored in the storage unit is telegraphic message information relating to a telegraphic message indicating failure of remittance and the telegraphic message received by the reception unit is a reply telegram to a telegraphic message indicating failure of remittance responding to an inquiry telegram transmitted to the external financial institution, based on the status information associated with the telegraphic message indicating failure of remittance, controlling display of the information relating to the reply telegram on a display unit.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an information processing system, an information processing device, a program, and an information processing method relating to foreign exchange transactions in financial institutions. [Background technology]

[0002] When a financial institution processes a transaction based on a customer's request for a transfer or other transaction, messages are sent and received over a network in a format specified by the Japanese Bankers Association between host computers (hereinafter referred to as hosts) installed at the destination financial institution (hereinafter referred to as the "destination bank") that receives the request from the customer in a transfer request form or other document, and the destination financial institution (hereinafter referred to as the "received bank") that is specified as the transfer destination in the transfer request form or other document.

[0003] If there is an error in the transfer message sent by the destination bank, the operator at the receiving bank checks the transfer message that was not accepted and sends an inquiry message to the destination bank. The operator at the destination bank contacts the customer and asks if they would like to correct the transfer message, then creates a reply message (correction message) and sends it to the receiving bank. The operator at the receiving bank receives the reply message from the destination bank, corrects the transfer information in the transfer message based on the reply message, and carries out the transfer process.

[0004] For example, in relation to the above-mentioned exchange processing, the following Patent Document 1 describes a configuration for a destination bank to easily issue a fund return instruction for an inquiry message whose reply deadline has passed. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2013-137714 A Summary of the Invention [Problem to be solved by the invention]

[0006] However, when a reply message from the destination bank is sent after a reversal procedure in which funds are returned from the destination side to the destination side, an operator at the destination bank needs to check the reply message and determine whether or not processing is required based on the message information stored in each message database.

[0007] Therefore, the present invention has been made in consideration of the above problems, and an object of the present invention is to provide a new and improved information processing system, information processing device, program, and information processing method that can improve the efficiency of work on reply messages at the destination bank. [Means for solving the problem]

[0008] In order to solve the above problems, according to one aspect of the present invention, an information processing system is provided which includes a receiving unit that receives a message sent from an external financial institution system, a memory unit that stores message information related to the message in association with status information indicating the processing status of the message, and a display control unit that controls the display of information related to the reply message on a display unit based on the status information associated with the undepositable message when the message information stored in the memory unit is message information related to an undepositable message in response to an inquiry message sent to the external financial institution system.

[0009] As a control, the display of information relating to the reply message on the display unit is restricted.

[0010] As a further restriction, control is exercised so as not to display information relating to the reply message on the display section.

[0011] As a control, control is performed to make the display of the information relating to the reply message distinguishable on the display unit.

[0012] Also provided is an information processing system including a determination unit that determines, based on the inquiry number included in the message received by the receiving unit, that the reply message received by the receiving unit is a reply message regarding a message for which payment cannot be made.

[0013] In addition, an information processing system is provided in which a determination unit identifies an inquiry message corresponding to a reply message based on an inquiry number contained in the reply message received by the receiving unit, and determines that the reply message is a reply message for an unpayment-capable message corresponding to the inquiry message by comparing the inquiry number contained in the inquiry message with the message sending number stored in the memory unit.

[0014] There is provided an information processing system further comprising a reassembly execution unit that performs reassembly to an external financial institution system and updates the state information updated in the storage unit.

[0015] In addition, an information processing system is provided that has a notification unit that, when the message information stored in the memory unit is message information regarding a message that cannot be deposited and the reply message received by the receiving unit is a reply message regarding a message that cannot be deposited, outputs to an external financial institution system, based on status information associated with the message that cannot be deposited, a message indicating that the reply message has been processed.

[0016] According to another aspect of the present invention, there is provided an information processing device comprising: a receiving unit that receives a message sent from an external financial institution system; a memory unit that stores message information regarding the message in association with status information indicating the processing status of the message; and, when the message information stored in the memory unit is message information regarding an undepositable message and the message received by the receiving unit is a reply message regarding an undepositable message in response to an inquiry message sent to the external financial institution system, a display control unit that controls the display of information regarding the reply message on a display unit based on the status information associated with the undepositable message.

[0017] According to another aspect of the present invention, a program is provided for causing a computer to function as an information processing device comprising a receiving unit that receives a message sent from an external financial institution system, a memory unit that stores message information regarding the message in association with status information indicating the processing status of the message, and a display control unit that controls the display of information regarding the reply message on a display unit based on the status information associated with the undepositable message when the message information stored in the memory unit is message information regarding an undepositable message and the message received by the receiving unit is a reply message regarding an undepositable message in response to an inquiry message sent to the external financial institution system.

[0018] According to another aspect of the present invention, there is provided an information processing method executed by a computer, including a first step of receiving a transfer message sent from an external financial institution system, a second step of associating and storing message information regarding the transfer message with status information indicating the processing status of the transfer message, a third step of receiving a reply message sent from the external financial institution system, and, if the status information stored by the second step indicates that deposit is not possible and the message received by the third step is a reply message regarding a message for which deposit is not possible, a fourth step of controlling the display of information regarding the reply message on a display unit based on the status information associated with the message for which deposit is not possible. Effect of the Invention

[0019] According to the present invention as described above, it is possible to improve the efficiency of the work performed by the operator at the destination bank in processing a transfer message that has become unacceptable. [Brief description of the drawings]

[0020] [Figure 1] 1 is an explanatory diagram showing an overall configuration including an information processing system according to an embodiment of the present invention; [Diagram 2] FIG. 2 is a block diagram showing a configuration of a host according to an embodiment of the present invention. [Diagram 3] A block diagram showing the configuration of a transfer management server according to one embodiment of the present invention. [Figure 4] FIG. 2 is a block diagram showing a configuration of an operator terminal according to an embodiment of the present invention. [Diagram 5] FIG. 4 is an explanatory diagram showing an example of a screen display according to an embodiment of the present invention. [Figure 6] 2 is a block diagram showing the configuration of a message DB server according to one embodiment of the present invention. FIG. [Figure 7] 11 is an explanatory diagram showing a message information table stored in a message DB server. FIG. [Figure 8] 11 is an explanatory diagram showing a message information table stored in a message DB server. FIG. [Figure 9] FIG. 2 is a block diagram showing a configuration of an external host according to an embodiment of the present invention. [Figure 10] FIG. 2 is a first sequence diagram showing the operation of the information processing system in one embodiment of the present invention. [Figure 11] FIG. 2 is a second sequence diagram showing the operation of the information processing system in one embodiment of the present invention. [Figure 12] 10 is a flowchart showing a process for registering a reply message in one embodiment of the present invention. [Figure 13] 11 is a flowchart illustrating in detail step S109 according to an embodiment of the present invention. [Figure 14] FIG. 2 is a hardware configuration diagram of a host according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. In this specification and drawings, when it is not necessary to distinguish between components having substantially the same functional configuration or multiple components having logical significance, the same reference numerals will be used to omit redundant explanations.

[0022] <1. Overview of the information processing system> An embodiment of the present invention relates to an information processing system for carrying out financial transactions applied in financial institutions. An overview of the information processing system according to the embodiment of the present invention will be described with reference to Figs. 1 to 9.

[0023] (composition) 1 is an explanatory diagram showing an overview of an information processing system 1 according to an embodiment of the present invention. The information processing system 1 is composed of a bank's own host 10, a transfer management server 20, an operator terminal 30, and a message DB server 40, each of which is connected to a financial institution's in-bank network NW1. The network NW1 is also connected to a network NW2 via the bank's own host 10. The network NW2 is a network provided by the Japanese Bankers Association (JBA), and is connected to the host servers of other banks that participate in the network.

[0024] For convenience of explanation, only one other bank host 50 is shown in FIG. 1, but it is natural that a plurality of financial institution hosts may be connected to the network NW2. Among the plurality of financial institution hosts, the host of the financial institution that transmitted the transfer message to the own bank host of the financial institution implementing the present invention may be the other bank host 50. Also, in general Japanese domestic exchange systems, in the transmission and reception of messages between the hosts of financial institutions on the network NW2 (for example, between the own bank host 10 and the other bank host 50), the configuration of the Zengin System (for example, a relay computer for connecting to the Zengin System) that acts as an intermediary is omitted in this embodiment. In other words, various messages exchanged between hosts may be checked for their message format by the Zengin System's information processing terminal on the Zengin System, or may be checked by the Zengin System's operator before being transmitted to the other bank of the communication.

[0025] In this specification, each message may be referred to according to the purpose for which it was sent. For example, a message instructing the destination bank to transfer funds is referred to as a transfer message. Also, a message that asks the other bank a question about a message is referred to as an inquiry message, and a message sent by the other bank in response is referred to as a reply message. Response messages include reassembly messages that instruct a reassembly, and correction messages that include corrections to a transfer message.

[0026] (1) Local host 10 The own host 10 is an information processing terminal installed in a data center of a financial institution. The own host 10 is connected to a network NW1 and a network NW2, and transmits and receives messages with other financial institutions. The own host 10 also stores information on the transmitted and received messages in a message DB server 40.

[0027] (2) Transfer management server 20 The transfer management server 20 is an information processing terminal installed in a data center or an office center of a financial institution. The transfer management server 20 is connected to the network NW1, and based on the information of the telegram stored in the telegram DB server 40, controls the screen display for the operator to confirm the information of the telegram, and controls the screen display for approval and execution of various financial transactions.

[0028] (3) Operator terminal 30 The operator terminal 30 is an information processing terminal installed in the business center of a financial institution. The operator terminal 30 has a display unit that allows the operator to check the information of various electronic messages. The operator terminal 30 also has an input unit such as a mouse and a keyboard that inputs commands to the transfer management server 20 to process the electronic messages based on the electronic message information.

[0029] (4) Message DB Server 40 The telegram DB server 40 is an information device installed in a data center of a financial institution. The telegram DB server 40 has a memory unit that stores information on telegrams sent and received by its own host 10. The telegram DB server 40 accepts commands from other information processing terminals via the network NW1, stores the information on telegrams in the memory unit, and transmits the information on telegrams to other information processing terminals.

[0030] The overview of the information processing system 1 according to the embodiment of the present invention has been described above with reference to Fig. 1. Next, an example of the configuration of the information processing system 1 according to the embodiment of the present invention will be described.

[0031] <2.Basic configuration> The following describes each of the information processing terminals (own bank host 10, transfer management server 20, operator terminal 30, and telegram DB server 40) that make up the information processing system 1 according to the present invention. Each functional unit described in this specification represents the cooperation of hardware and software provided in each device to realize a specific function.

[0032] (1) Local host 10 2 is a functional block diagram of the home host 10 according to this embodiment. The home host 10 includes a control unit 101, a communication unit 102, a message sending / receiving unit 103, a determination unit 104, and a message registration unit 105.

[0033] The control unit 101 controls the hardware in the local host 10. The control unit 101 initializes and virtualizes various hardware and loads software into storage areas such as RAM in order to realize the functions described in each functional block in the information processing terminal constituting the local host 10. The CPU of the local host 10 realizes the control of the hardware expressed by a predetermined functional block and the calculation processing of the software by interpreting the software loaded into the RAM by the control unit 101.

[0034] The communication unit 102 communicates with other information processing terminals. More specifically, the communication unit 102 communicates with each terminal participating in the network NW1 or the network NW2 using the TCP / IP protocol. Of course, the connection with the other terminal is not limited to a wired connection, and may be realized by a wireless connection.

[0035] The message sending / receiving unit 103 receives a message related to the exchange process from the other bank's host 50 via the communication unit 102. The received message (hereinafter, the received message) is temporarily stored in a storage device such as a RAM of the own bank's host 10. It is then processed by the determination unit 104, which will be described later. The message sending / receiving unit 103 also receives a message related to the exchange process that is generated by the transfer management server 20, which will be described later. The message sending / receiving unit 103 transmits the message to the other bank's host 50 via the communication unit 102.

[0036] The determination unit 104 searches for an inquiry message having a call number that matches the inquiry number included in the received message received by the message sending / receiving unit 103, and identifies the inquiry message that corresponds to the received message. Furthermore, the determination unit 104 searches for a transfer message having a call number that matches the inquiry number included in the inquiry message and the inquiry number of the inquiry message stored in the message table storage unit 403 of the message DB server 400, and identifies a transfer message that cannot be credited.

[0037] The message registration unit 105 adds status information corresponding to the processing status determined by the decision unit 104 to the received message received by the message transmission / reception unit 103 , and registers the message in the message table storage unit 403 of the message DB server 40 .

[0038] (2) Transfer management server 20 3 is a functional block diagram of the transfer management server 20 according to this embodiment. The transfer management server 20 comprises a control unit 201, a communication unit 202, a message acquisition unit 203, a message generation unit 204, a transfer execution unit 205, and a display control unit 206.

[0039] The control unit 201 controls the hardware in the transfer management server 20. The control unit 201 initializes and virtualizes various hardware and loads software into memory areas such as RAM in order to realize the functions described in each functional block in the information processing terminal constituting the transfer management server 20. The CPU of the transfer management server 20 realizes the control of the hardware and the calculation processing of the software expressed in the specified functional blocks by interpreting the software loaded into the RAM by the control unit 201.

[0040] The communication unit 202 communicates with other information processing terminals. More specifically, the communication unit 202 communicates with each terminal participating in the network NW1 using the TCP / IP protocol. Of course, the connection with the other terminal is not limited to a wired connection, and may be realized by a wireless connection.

[0041] The message acquisition unit 203 acquires message information from the message DB server 40 based on a command from the operator terminal 30. The message acquisition unit 203 acquires message information as a response by transmitting a command (e.g., an SQL query) requesting the message DB server 40 to perform a search process or an extraction process via the communication unit 202. The acquired message information is referenced by the transfer execution unit 205 or the display control unit 206, and is used as information for a transfer or other exchange process, or as information to be displayed on the operator terminal 30.

[0042] The message generating unit 204 generates a message to be sent to the other bank. The message generating unit 204 transmits the generated message to the other bank's host 50. More specifically, the message generating unit 204 receives an input operation from the input unit 304 of the operator terminal 30 and generates a message. The message generating unit 204 adds the bank name, branch name, and other information required for the message to the generated message, and transmits the message to the other bank's host 50 via the communication unit 202. The message may be a reassembly message for reassembly, and the message generating unit 204 has a function of generating a reassembly message for a message that cannot be input based on an input operation from the input unit 304. The reassembly message is transmitted to the other bank's host 50 via the bank's host 10. The message generating unit 204 transmits the reassembly message and transmits a command to the message DB server 40 to update the status information of the message DB server 40 that corresponds to the reassembly message and is not available for deposit to "reassembled".

[0043] The transfer execution unit 205 interprets the received message received by the message acquisition unit 203 and executes the transfer. When the received message is a transfer message from another bank to the transfer execution unit 205, the transfer execution unit 205 inquires of the customer DB server (not shown) whether the account number, recipient name, and other information necessary for the transfer written in the received message are correct. When the information necessary for the transfer is correct, the transfer execution unit 205 realizes the transfer by increasing the value of the deposit amount of the account in the customer DB server. Thereafter, the transfer execution unit 205 registers the received message in the message DB server 40 with processing information indicating that the message was processed correctly. On the other hand, when the account number, recipient name, and other information necessary for the transfer are incorrect, the transfer execution unit 205 does not deposit the message and registers it in the message DB server as a transfer message that could not be deposited.

[0044] The processing procedure of the transfer execution unit 205 may follow the processing procedure defined by each bank. For example, for transfers of a certain amount or more, a confirmation screen may be displayed on the operator terminal, and the transfer may be executed only after approval by the operator. Also, the system may require approval from the operator for all transactions.

[0045] The display control unit 206 controls the screen display of the operator terminal 30, and controls the display of message information or the display of a message creation screen. The display control unit 206 has a function of performing display control so as to cause the operator terminal 30 to display, for example, a screen D100 shown in Fig. 5, which will be described later.

[0046] (3) Operator terminal 30 4 is a functional block diagram of the operator terminal 30 according to this embodiment. The operator terminal 30 includes a control unit 301, a communication unit 302, a display unit 303, and an input unit 304.

[0047] The control unit 301 controls the hardware in the operator terminal 30. The control unit 301 initializes and virtualizes various hardware and deploys software in a storage area such as a RAM in order to realize the functions described in each functional block in the information processing terminal constituting the operator terminal 30. The CPU of the operator terminal 30 realizes the control of the hardware expressed by a predetermined functional block and the calculation processing of the software by interpreting the software deployed in the RAM by the control unit 301.

[0048] The communication unit 302 communicates with other information processing terminals. More specifically, the communication unit 302 communicates with each terminal participating in the network NW1 using the TCP / IP protocol. Of course, the connection with the other terminal is not limited to a wired connection, and may be realized by a wireless connection.

[0049] The display unit 303 has a function of displaying various information on a display device equipped in the operator terminal. The display unit 303 is realized by a program for controlling the display of the screen D100 or information required for performing the foreign exchange business on a display device such as a liquid crystal display or an OLED display. The display unit 303 performs display in accordance with a signal related to the screen display received from the transfer management server 20 received by the communication unit 302. Specifically, the display unit 303 has a browser function, and the function as the display unit is realized by displaying the screen D100 based on the HTML file and CSS file received from the transfer management server 20.

[0050] 5 is a diagram showing a display example of screen D100. Screen D100 is one form of an example screen displayed on a display device controlled by display unit 303. Screen D100 is made up of a message search area A10 and a case list display area A20. Message search area A10 is made up of a message type designation area A11, a message search condition designation area A12, a message processing status narrowing down area A13, and a message search button B1.

[0051] The message search area A10 is a display area that provides an interface for the operator to specify search conditions for searching messages. The operator inputs the search conditions through the input unit of the operator terminal 30. When the message search button B1 is pressed, the transfer management server 20 sends a command including the search conditions to the message DB server 40 and retrieves messages that match the search conditions. The display control unit 206 displays the retrieved messages in the case list display area A20.

[0052] The case list display area A20 is a display area that displays the search results of messages. The operator can select a message on the case list for which he or she wishes to check detailed information, and the screen will display a more detailed message information screen.

[0053] The screen example D100 displayed on the display unit 303 has been described above with reference to FIG.

[0054] The input unit 304 is a functional block that accepts input operations from the operator via an input device provided in the operator terminal 30. The input unit 304 is realized by a program that controls a touch panel, a keyboard, a mouse, or buttons, etc. The input unit 304 accepts input operations and message selection operations from the operator. Information input by the input operations and selection operations in the input unit 304 is transmitted to the transfer management server 20.

[0055] (4) Message DB Server 40 6 is a functional block diagram of the electronic message DB server 40 according to this embodiment. The electronic message DB server 40 includes a control unit 401, a communication unit 402, and a electronic message table storage unit 403.

[0056] The control unit 401 controls the hardware in the telegram DB server 40. The control unit 401 initializes and virtualizes various hardware and loads software into a storage area such as a RAM in order to realize the functions described in each functional block in the information processing terminal constituting the telegram DB server 40. The CPU of the telegram DB server 40 realizes the control of the hardware and the calculation processing of the software expressed by a predetermined functional block by interpreting the software loaded into the RAM by the control unit 401.

[0057] The communication unit 402 communicates with other information processing terminals. More specifically, the communication unit 402 communicates with each terminal participating in the network NW1 using the TCP / IP protocol. Of course, the connection with the other terminal is not limited to a wired connection, and may be realized by a wireless connection.

[0058] The message table storage unit 403 is a functional block having a function of storing information on messages transmitted and received by the information processing system 1 in a storage device of the terminal. The message table storage unit 403 is composed of message information table storage units T10 and T20, and electrically stores message information. The message information table T10 stores message information received by the information processing system 1. The message information table T20 stores message information transmitted by the information processing system 1 to an external financial institution. The message table storage unit 403 is realized by software that controls a storage device such as an HDD (Hard Disk Drive) or an SSD (Solid State Drive). In addition, the message table storage unit 403 has a function of referring to the message table storage unit 403 and responding based on a command such as an SQL query received from another information processing terminal. In addition, the message table storage unit 403 has a function of storing a message based on a command such as an SQL query received from another terminal.

[0059] The following is a detailed explanation of the message information table storage unit stored in the message table storage unit 403. Hereinafter, a conceptual group of information stored in the storage area of ​​the message information table storage unit will be referred to as a table.

[0060] (Message information table storage unit T10) The message information table storage unit T10 is a storage unit that stores information on received messages, and the message table storage unit 403 has one or more message information table storage units T10. Each item in the table stored in the message information table storage unit T10 will be described in detail with reference to FIG.

[0061] The reception number F101 is an item indicating information for uniquely identifying the received message within the information processing system 1.

[0062] The reception date and time F102 is an item indicating the date and time when the information processing system 1 received the electronic message.

[0063] Item F103, sending bank F104, receiving branch F105, and amount F106 are items that indicate the item of the message (type of message), the name of the sending bank, the name of the receiving branch, and the amount of the requested transfer, respectively, and are items that indicate the corresponding information contained in the received message. Note that sending bank F104 may be an item that indicates the branch name in addition to the sending bank name. Note that receiving branch F105 may be an item that includes information indicating the name of the receiving financial institution in addition to the receiving branch.

[0064] The processing status F107 is an item that indicates the processing status of the stored received message. The processing status of the received message is stored in one of three states: "processing completed," "automatic processing," and "unprocessed."

[0065] The processing content F108 is an item showing the processing content performed on the message. For example, the memory area C11 in Fig. 7 shows the processing content of the message with the reception number F101 of 301-0001. In Fig. 7, information showing "return" is stored, indicating that the transferred funds have been returned to the destination bank.

[0066] The completion date and time F109 is an item that indicates the time when the processing of the message was completed. For example, the completion date and time F109 stores the time when the operator executed the processing of the message (for example, resetting).

[0067] The calling number F110 is an item indicating a unique number assigned by the calling financial institution.

[0068] The reference number F111 is an item designated by the sending financial institution to indicate which message the message is for. The sender number of the target message is entered in the reference number F111, and the message is sent from the destination bank to the destination bank.

[0069] In the above embodiment, all the message information is stored in one message information table storage unit T10, but other configurations are possible. For example, the processing status F107 and the processing content F108 may be stored in separate table storage units. In this case, the databases are associated with each other by a primary key, and for example, the reception number F101 may be stored in both databases as a primary key.

[0070] (Message information table storage unit T20) The message information table storage unit T20 is a storage unit that stores information on messages sent to other bank hosts (external financial institutions), and the message table storage unit 403 stores one or more message information table storage units T20. Each item in the message information table storage unit T20 will be described in detail with reference to FIG. 8.

[0071] The transmission number F201 is an item showing information for uniquely identifying the transmitted message within the information processing system 1.

[0072] The transmission date and time F202 is an item indicating the date and time when the information processing system 1 transmitted the message.

[0073] Item F203, destination F204, destination branch name F205, and amount F206 are items for recording the item of the message (type of message), the name of the destination bank, the name of the destination branch, and the requested transfer amount, respectively, and the corresponding information included in the sent message is stored.

[0074] The sending number F207 is an item indicating the sending number. The sending number is assigned so that each message can be distinguished in the destination line, and may be assigned mechanically, for example, by combining a date and a serial number.

[0075] The inquiry number F208 is an item showing the number of a message used to identify which message an inquiry is made to when making an inquiry or replying to another bank. For example, the inquiry number is entered by the operator of the sending bank when sending an inquiry message.

[0076] The remarks F209 is an item showing other information about the telegram. The character string communicated in the telegram is stored in the remarks F209. For example, when a telegram is sent, the operator of the sending station inputs the contents to be communicated in the remarks.

[0077] In the above embodiment, all the telegram information is stored in one telegram information table storage unit T10, but other configurations are possible. For example, the reference number F208 and the remarks F209 may be stored in separate table storage units. In this case, the databases are related to each other by a primary key, and for example, the transmission number F201 may be stored in both databases as a primary key.

[0078] Furthermore, the electronic message information table storage unit may naturally store information other than the information shown in each drawing. For example, the electronic message information table storage unit T20 may have additional items for storing the name of the operator who performed the transmission process and the name of the manager who performed the approval process.

[0079] Also, it is not necessary for the message information table storage unit to store information corresponding to all items in each table. Items that are not necessarily included in a message, such as the amount in a communication message, may be registered as an initial value (data indicating 0) when stored in the message information table storage unit, or a special state such as a NULL character string may be assigned.

[0080] The configuration examples of the information processing terminals of the information processing system 1 according to the embodiment of the present invention have been described above. Next, a configuration example of the remote host 50 according to the embodiment of the present invention will be described.

[0081] (5) Other bank hosts 50 9 is a functional block diagram of the other bank's host 50 according to this embodiment. The other bank's host 50 has the same functions as the own bank's host 10, except that it performs various processes on the other bank's intrabank network (not shown) instead of the network NW1, and therefore detailed description thereof will be omitted.

[0082] An example of the configuration of the remote host 50 according to the embodiment of the present invention has been described above. Next, an example of the functions of the network NW1 and the network NW2 according to the embodiment of the present invention will be described.

[0083] <3. Example of operation> An example of the operation of the information processing system according to the embodiment of the present invention will be described below with reference to Figs. 9 to 13 which are sequence diagrams and flowcharts relating to the processing of a non-payment message.

[0084] In the explanation of this operation example, each message will be represented by a name according to its transfer type and purpose. For example, a message sent from a destination bank requesting a transfer to a destination bank will be called a transfer message. For example, a communication message sent to another bank to inquire about information will be called an inquiry message. For example, a message corresponding to a reply to an inquiry message will be called a reply message or a correction message.

[0085] (3-1. Example of operation) The operation of the information processing system 1 when performing a transfer process from another bank to the own bank will be described with reference to FIG.

[0086] The destination bank that receives a transfer request from a customer creates a transfer message for the transaction. The destination bank's other bank host 50 transmits the transfer message to its own bank's host 10 (S901). The own bank's host 10 processes the received transfer message. The judgment unit 104 of the own bank's host 10 judges whether the transfer message is free of errors by comparing the information in the message, such as the transfer destination account number, account type, or recipient name, with the information in the customer DB server (not shown). For example, the judgment unit 104 confirms that the account name of the transfer destination account number matches the recipient name, and if there is a difference, judges whether it is within the range of notation variation allowed by each financial institution. Below, the processing when there is an error in the judgment by the judgment unit 104, that is, the processing when the deposit is not possible, will be described in detail.

[0087] The message registration unit 105 of the host 10 stores the message for which the deposit was not possible and information regarding the non-payment in the message DB server 40 (S902). The message registration unit 105 also stores the reception number F101, reception date and time F102, processing status F107, processing content F108, and completion date and time F109 according to the content of the received transfer message. In this embodiment, the message registration unit 105 stores "non-payment" as the processing status F107 and "unprocessed" as the processing content F108 as the non-payment of the deposit in detail. Note that, although S903 and subsequent steps are described as a series of steps in FIG. 10, they may be executed immediately after S902 or after a certain time has elapsed.

[0088] The operator uses the operator terminal 30 to inquire of the transfer management server 20 whether there are any messages that require action. Based on the operator's operation, the operator terminal 30 inquires of the transfer management server 20 whether there are any messages in the message DB server 40 whose processing status F108 is "unprocessed". The transfer management server 20 sends a search command to the message DB server 40, and sends information about the unprocessed messages and information necessary for displaying the messages to the operator terminal 30. The operator terminal 30 displays the information about the messages on the display unit (S903).

[0089] The operator creates an inquiry message using the operator terminal 30. The operator terminal 30 transmits the created inquiry message to the transfer management server 20, which controls the transfer management server 20 to store the inquiry message in the message information table storage unit T20. The transfer management server 20 also transmits the inquiry message to the own bank's host 10 (S904). The own bank's host 10 assigns to the inquiry message created in S904 the transmission number F201, transmission date and time F202, and origination number F207 of the inquiry message, which are determined at the time of transmission, among the various items of the inquiry message. The own bank's host 10 stores the inquiry message in the message information table storage unit T20 and sends the inquiry message to the other bank's host 50. For example, "Uketorininmeisouinitsukioshirabekou" (Please check the recipient name discrepancy) is entered in the remarks F209.

[0090] The operator of the destination bank determines the contents of the reply to the inquiry message by contacting the customer, etc. The other bank's host 50 transmits the contents of the reply to the inquiry message as a reply message to the own bank's host 10 (S905).

[0091] The transfer management server 20 controls the display of the reply message on the screen of the operator terminal 30. The operator of the destination bank checks the message displayed on the operator terminal 30. The operator determines whether the message has been processed by referring to the message table storage unit 403, and determines whether to return the message or to modify the transfer message based on the reply message and transfer the money. In this specification, the return procedure refers to the process of returning the amount notified in the transfer message to the other bank and canceling the transfer. Generally, remittances related to transfers and return are realized by adjusting the debt relationship against the deposit balance of the Bank of Japan via the Zengin System instead of directly exchanging money, and this specification will be described on the assumption that such a configuration is used.

[0092] An example of the operation of the transfer process using the information processing system 1 has been described above.

[0093] The above-mentioned operation example had the following problem: When receiving a reply message to a returned untransferable message, the operator of the destination bank could not determine that the transfer message that was the subject of the reply message had been processed unless he or she checked the message information of the inquiry message and the message information of each of the transfer messages that became untransferable.

[0094] (3-2. Example of operation) An operation example of the information processing system 1 according to the invention of this specification will be described with reference to Fig. 11 to Fig. 13. Operations from S101 to S104 in this operation example are similar to S101 to S104 described in (3-1. Operation example), so the description will be omitted.

[0095] The operator of the destination bank processes the transfer message by sending a message to the destination bank to reassemble the transfer message before processing the reply message from the destination bank. The message generation unit 204 of the transfer management server 20 generates a reassembly message instructing the reassembly based on the operator's input operation. The message generation unit 204 sends the reassembly message to the own bank's host 10 based on the operator's input operation. The own bank's host 10 sends a reassembly message (not shown) to the other bank's host 50 (S105). For example, such processing may be performed when the reply message from the destination bank is not received by the deadline, or when the transfer message is reassembled by telephone or other means without going through the message system.

[0096] The message generation unit 204 of the transfer management server 20 sends the returned message to its own host, and also sends a command to the message DB server 40 to update the status information of the undepositable transfer message that was the subject of the return. The command includes the sending number of the message that was the subject of the return. The control unit 401 of the message DB server 40 identifies the message in question by searching for the sending number F110 in the message information table storage unit T10. The control unit 401 modifies the processing status F107 of the message in question to "processing completed" and the processing content F108 to "returned" (S106).

[0097] Thereafter, the destination bank operator may send a reply message without noticing the return. The other bank's host 50 sends the reply message to the own bank's host 10 (S107). The own bank's host 10 registers the reply message (S108). Details of S108 will be described later. The display control unit 206 of the transfer management server 20 receives instructions from the operator terminal 30 and controls the display of the message information (S109). S109 will be described later.

[0098] (S108: Registration of reply message) The registration of the reply message in S108 will be described in detail with reference to FIG. 12. When the determination unit 104 of the host 10 receives the reply message, it sends a search command to the message DB server 40 to check whether there is an inquiry message having a call number that matches the inquiry number A included in the reply message, and obtains the response (S181). The determination unit 104 determines whether the inquiry message exists (S182). If the relevant inquiry message does not exist, the process proceeds to S184. If the relevant inquiry message exists, it sends a search command to the message DB server 40 to check whether there is a transfer message having a call number that matches the inquiry number B included in the item of the inquiry number F111 of the inquiry message, and obtains the response (S183). The determination unit 104 determines whether the message corresponding to the inquiry number B is a transfer message that has been returned, and further determines whether the processing content F108 is "returned" (S183). If the message corresponding to the inquiry number B is not a reassembled transfer message, the determination unit 104 proceeds to S184, and if there is a corresponding reassembled transfer message, the determination unit 104 proceeds to S185. In S184, since the answer message is one that needs to be processed by an operator, the determination unit 104 sends a command to the message table storage unit 403 of the message DB server 40 to register the received answer message with the processing status F107 set to "unprocessed" (S184). On the other hand, in S185, since the answer message is one that corresponds to a message that has already been reassembled and cannot be deposited, the determination unit 104 sends a command to the message table storage unit 403 of the message DB server 40 to register the received answer message with the processing content F108 set to "automatic processing" (S185).

[0099] (S109: Display control of message information) The display control of the electronic message information in S109 will be described in detail with reference to FIG. 13. In order to process electronic messages, the operator specifies the conditions of each area included in the electronic message search area A10 on the screen D100 of the transfer management server 20 via the input unit 304 of the operator terminal 30, thereby extracting unprocessed cases and carrying out electronic message business in the financial institution. The processing contents of the information processing system in this business will be described in detail below. The electronic message acquisition unit 203 receives a request to display electronic messages from the operator and transmits the input search conditions to the electronic message DB server 40 (S191). The electronic message table storage unit 403 of the electronic message DB server 40 performs extraction processing according to the received search conditions and transmits them to the electronic message acquisition unit 203 of the transfer management server 20. The electronic message acquisition unit 203 acquires information on electronic messages that match the search conditions (S192). At this time, it is considered that there are multiple pieces of electronic message information acquired. Thereafter, the processes from S192 to S195 are performed for all messages included in the operator's search criteria (message display request) (repeated process described in S196). The display control unit 206 determines whether the processing status of the message has been processed (S193). If the processing status of the message is unprocessed, information about the message is included in the display control information to be displayed on the display unit (S194). Specifically, display control is performed so that the message is displayed in the case list display area A20 on the screen D100. If the processing status of the message is processed, information about the message is not included in the display control information to be displayed on the display unit (S195). Specifically, display control is performed so that the message is not displayed in the case list display area A20 on the screen D100. Note that S109 is not necessarily the process performed immediately after S108.

[0100] The processes in S108 and S109 have been described above in detail.

[0101] <4. Effects> In the information processing system, a reply message corresponding to a transfer message that has been returned and cannot be deposited is not displayed on the display unit 303 of the operator terminal 30 as an unprocessed case, thereby reducing the burden of processing messages on the operator.

[0102] <5. Modifications> In the following, modified examples of the embodiment of the present invention will be described. Note that each modified example described below may be applied to the embodiment of the present invention alone within the scope of the present invention. Also, the modified examples may be applied to the embodiment of the present invention in a combined form. Also, the modified examples may be applied in place of the configurations described in the embodiment of the present invention, or may be configured in addition to them.

[0103] (Variation 1) In the above embodiment, the display is restricted by not including the message in the display control information in S195, but the display may be restricted in another manner. For example, in S185, when storing information on a reply message corresponding to a reassembled transfer message, a character string indicating "original message reassembled" is stored in the processing content F108. In S195, the processing content F108 of the message is further referred to, and if a character string indicating "original message reassembled" is stored, the display control unit 206 may restrict the display by controlling the display to display the character string in gray on the case list.

[0104] (Variation 2) In the above embodiment, the display is controlled by not including the message in the display control information in S195, but the information of the message may be displayed so as to be distinguishable from other messages. For example, in S185, when storing information of a reply message corresponding to a reassembled transfer message, a character string indicating "original message reassembled" is stored in the processing content F108. In S195, the processing content F108 of the message is further referred to, and if a character string indicating "original message reassembled" is stored, the display control unit 206 may control the display by displaying the character string in red on the case list so as to be distinguishable from other messages that require normal processing.

[0105] (Variation 3) In the above embodiment, the configuration for registering the reply message is described as S108, but the own bank host 10 may further include a notification unit 106 for notifying the destination bank. The notification unit 106 performs an additional notification process as S186 after performing the process of S185 in the above embodiment.

[0106] (S186: Additional notification processing) The notification unit 106 notifies the destination bank that the transfer message corresponding to the reply message has been processed. The notification unit 106 may control the message generation unit 204 of the transfer management server 20 to generate a communication message for the notification, and transmit the message to the other bank host 50 via the message transmission / reception unit 103 by the operation of the operator. Alternatively, the notification unit 106 may contact the financial institution system by telephone via the public telephone network as the process of S186. For example, the notification unit 106 has a storage unit that associates and stores the telephone number of the operator of the destination bank with the name of the financial institution and the name of the branch, and makes a telephone call by referring to the storage unit. The notification unit 106 may call the telephone number of the destination bank and notify by an automated voice that the reply message has been automatically processed because it corresponds to the transfer message that has been returned.

[0107] The above describes the modified examples according to the embodiment of the present invention. Next, a hardware configuration according to an embodiment of the present invention will be described.

[0108] <6. Hardware configuration> Information processing by each functional block constituting the information processing system 1 according to the present invention is realized by cooperation between software and hardware of each information processing terminal. In the following, the hardware configuration of the local host 10 will be described as a representative example.

[0109] 14 is a block diagram showing an example of the hardware configuration of the local host 10. The local host 10 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, and a system bus 909. Each server further includes an input unit 904, a display unit 905, a storage device unit 906, and a communication interface unit 907 as necessary. The above components are electrically connected to each other via the system bus 909.

[0110] The CPU 901 is a general-purpose arithmetic processing circuit, and executes software by electrically implementing various calculations according to various programs, and functions as an arithmetic processing device and control device that controls the operation of hardware in each terminal connected by a system bus 909. The ROM 902 stores parameters and programs required for the execution of the CPU 901. The RAM 903 temporarily stores data related to the program being executed by the CPU 901. The input unit 904, the display unit 905, the storage unit 906, or the communication interface unit 907 are provided as necessary and are used for input work by an operator. The input unit 904 is an input device such as a mouse, a touch panel, or a keyboard. The display unit 905 is a display device such as a liquid crystal display or an OLED display. The storage unit 906 is an internal storage device such as a HDD or SSD, or an external storage device such as an SD card or a USB memory. The communication interface unit 907 is an interface unit that handles communication between each terminal, and may be a wired connection unit such as a LAN port, or may be an electronic circuit (including an integrated circuit) having a wireless communication function for communicating in accordance with a standard such as Wi-Fi (registered trademark). The above components are connected to each other by a system bus 909. Specifically, the system bus 909 is a PCIe bus, a USB (Universal Serial Bus), etc. As already explained, the hardware of each terminal is controlled by the software function of each functional unit of each terminal, and realizes the function of each functional unit in cooperation with the software.

[0111] The input unit 904 is an input device that accepts input from an operator, such as a mouse, a keyboard, or a touch panel. The input unit 904 is controlled by software (driver software) that controls the input unit 904 and is interpreted by the CPU 901 in the control unit 101. The control unit 101 functions as the input unit by generating an input signal based on information input by the operator.

[0112] In the above hardware configuration example, the CPU 901 is a general-purpose arithmetic processing circuit that performs various calculations, but all or part of the calculation processing of each hardware component shown in Fig. 14 may be realized by a circuit including a dedicated ASIC (Application Specific Integrated Circuit). Similarly, it may be realized by a circuit including an FPGA (Field Programmable Gate Array). It may also be realized in a form that combines them.

[0113] The hardware configuration of the local host 10 according to the embodiment of the present invention has been described above with reference to FIG.

[0114] The above-mentioned hardware configuration is the same for information processing terminals constituting the information processing system 1 other than the local host 10.

[0115] <7. Supplementary Information> Although the preferred embodiment of the present invention has been described in detail above with reference to the attached drawings, the present invention is not limited to such an example. It is clear that a person having ordinary knowledge in the technical field to which the present invention pertains can easily create various modified examples within the scope of the technical ideas described in the claims, and these naturally also belong to the technical scope of the present invention.

[0116] In the explanation form of this specification, it has been described as if the transfer management server and the operator terminal correspond one-to-one in the information processing system, but in reality, two or more transfer management servers may be provided, and a correspondence of n to m may be achieved. In that case, a configuration having two or more transfer management servers may be realized by further narrowing down the messages displayed on the transfer management server depending on the region where the branch office is located, for example.

[0117] In addition, the information processing system 1 described in this specification may be implemented on any system that performs financial transactions by sending and receiving electronic messages, regardless of domestic exchange transactions using the Zengin System. In other words, the network NW2 is not limited to the Zengin System, and may be, for example, a network for financial institutions to send and receive electronic messages directly between each other without going through the Zengin System.

[0118] In the description of the present specification, the information processing system has been described in such a manner that each information processing terminal is installed in a data center, an office center, or a branch office of a financial institution, but the installation location may be determined according to the type of the exchange processing system of each financial institution. For example, all information processing terminals may be installed in an office center.

[0119] In addition, in the description of the present specification, the information processing system is described as including an operator terminal having a display unit, but the technical scope of the present invention is not limited to this and also includes a form in which the operator terminal is outside the information processing system. In other words, the invention may be implemented by a display control unit in the information processing system controlling the display of a display unit outside the information processing system. Naturally, even in such a configuration, the information processing system achieves the same effects as the configuration disclosed in the embodiment of this specification.

[0120] In the description of the present specification, the information processing system is described in a form in which the judgment unit 104 is included in the host 10, but the technical scope of the present invention is not limited to this. For example, the control unit 201 of the transfer management server 20 may receive the message information from the host 10 and perform the process S108 in the judgment unit 104. This configuration has the advantage that the host can use an existing system. For example, the control unit 401 of the message DB server 40 may receive the message information from the host 10 and perform the process S108 in the judgment unit 104. For example, the information processing terminal that actually performs the process S108 may be an external terminal that does not exist on the information processing system 1. In this case, the judgment unit 104 of the host 10 may perform the process equivalent to S108 in the embodiment by transmitting the received message information to the external terminal as the process S108 and acquiring the judgment result from the external terminal via the network.

[0121] The various processes in the information processing system 1 of this specification do not necessarily have to be processed according to the order described in the flowcharts or sequence diagrams described in the embodiments. As long as the effects of the present invention are achieved, the steps in the information processing system 1 of this specification may be processed in an order different from the order described in the flowcharts. In addition, the steps may be processed in parallel, additional processing steps may be included, or some processing steps may be omitted.

[0122] Furthermore, the information processing system 1 described in this specification may be realized as a single device. Furthermore, within the scope of the technical ideas described in the claims, each functional element shown on a different terminal in this specification may be realized on a different information processing terminal. Similarly, each functional element shown on the same terminal in this specification may be realized on a different information processing terminal. For example, an information processing system 1 having an information processing terminal in which the functions of the bank's own host and the transfer management server are integrated is also conceivable.

[0123] It is also possible to create a computer program for causing a general-purpose information processing terminal to function as each of the functional units described in the embodiment and each of the modified examples. Also provided is a storage medium having the computer program stored therein. [Explanation of symbols]

[0124] 10 Own host 20 Transfer Management Server 30 Operator terminal 40 Telegram DB Server 50 Other Bank Hosts

Claims

1. a receiving unit for receiving a message transmitted from an external financial institution system; a storage unit that stores message information related to the message and status information indicating a processing status of the message in association with each other; If the message information stored in the memory unit is message information regarding a message that cannot be deposited, and the message received by the receiving unit is a reply message regarding the message that cannot be deposited in response to an inquiry message sent to the external financial institution system, a display control unit that controls display of information regarding the reply message on a display unit based on the status information associated with the untransferable message; An information processing system comprising:

2. 2. The information processing system according to claim 1, wherein the control includes restricting display of information related to the reply message on the display unit.

3. 3. The information processing system according to claim 2, wherein the restriction is to control the display unit not to display information related to the reply message.

4. The information processing system according to claim 1 , wherein the control is a control for displaying information about the reply message on the display unit in a distinguishable manner.

5. An information processing system as described in claim 2, further comprising a determination unit that determines that the reply message received by the receiving unit is a reply message regarding the message that cannot be paid based on an inquiry number contained in the message received by the receiving unit.

6. The information processing system described in claim 5, wherein the determination unit identifies an inquiry message corresponding to the reply message based on an inquiry number contained in the reply message received by the receiving unit, and determines that the reply message is a reply message to the unpayment message corresponding to the inquiry message by comparing the inquiry number contained in the inquiry message with the sending number of the message stored in the memory unit.

7. 2. The information processing system according to claim 1, further comprising a reassembly execution unit that performs reassembly to the external financial institution system and updates the state information updated in the storage unit.

8. When the message information stored in the memory unit is message information regarding a message that cannot be paid, and the reply message received by the receiving unit is a reply message regarding the message that cannot be paid, 2. The information processing system according to claim 1, further comprising a notification unit which outputs to said external financial institution system a message indicating that said reply message has been processed, based on said status information associated with said message indicating that said deposit is not possible.

9. a receiving unit for receiving a message transmitted from an external financial institution system; a storage unit that stores message information related to the message and status information indicating a processing status of the message in association with each other; If the message information stored in the memory unit is message information regarding a message that cannot be deposited, and the message received by the receiving unit is a reply message regarding the message that cannot be deposited in response to an inquiry message sent to the external financial institution system, a display control unit that controls display of information regarding the reply message on a display unit based on the status information associated with the untransferable message; An information processing device comprising:

10. Computer, a receiving unit for receiving a message transmitted from an external financial institution system; a storage unit that stores message information related to the message and status information indicating a processing status of the message in association with each other; If the message information stored in the memory unit is message information regarding a message that cannot be deposited, and the message received by the receiving unit is a reply message regarding the message that cannot be deposited in response to an inquiry message sent to the external financial institution system, a display control unit that controls display of information regarding the reply message on a display unit based on the status information associated with the untransferable message; A program for causing the information processing device to function as an information processing device comprising the above-mentioned.

11. A first step of receiving a transfer message transmitted from an external financial institution system; a second step of storing message information relating to the transfer message and status information indicating a processing status of the transfer message in association with each other; a third step of receiving a response message transmitted from the external financial institution system; If the status information stored in the second step indicates that the deposit is not possible, and the message received in the third step is a reply message regarding the message indicating that the deposit is not possible, a fourth step of controlling display of information related to the reply message on a display unit based on the information associated with the non-payment message; 2. An information processing method implemented by a computer, comprising:

Images