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

Abstract

To solve the problem in which: it is desirable to provide a technique capable of more efficiently handling beneficiary-side error processing.SOLUTION: There is provided an information processing system comprising: a storage control unit which registers first key information included in account information in a table on the basis of the processing carried out regarding the account information; a determination unit which determines whether second key information included in an undeliverable message matches the first key information on the basis of the notification that the undeliverable message was transferred from a host due to error occurrence in a transfer process; and a processing unit which generates a reply message to the host on the basis of the second key information when it is determined that the second key information matches the first key information.SELECTED DRAWING: Figure 6

Description

[Technical Field]

[0001] The present invention relates to an information processing system, an information processing method, a program, and an information processing device. [Background technology]

[0002] When a transfer originating at one branch of a bank is made to an account at another branch, the former branch may be the sending branch and the latter branch may be the receiving branch. Here, the post-processing performed at the sending branch when the transfer data cannot be deposited at the receiving branch is called "sending error processing." Conversely, the post-processing performed at the receiving branch when the transfer data cannot be deposited at the receiving branch is called "receiving error processing."

[0003] Such sending error processing and receiving error processing have generally been carried out at each branch of a financial institution. Also, in order to improve the efficiency of processing, a technique has been disclosed in which the name of a remitter who is permitted to transfer is registered in advance in a host as a permitted remitter name, and when the permitted remitter name and the remitter name related to the transfer match, the host permits the transfer (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2009-026114 Summary of the Invention [Problem to be solved by the invention]

[0005] However, in this technology, when the receiving party is unable to deposit funds, an inquiry message is sent from the receiving party to the sending party. At this time, the receiving party has to wait until the sending party receives a response to the inquiry message from the sending party. Therefore, it is desirable to provide a technology that can perform the receiving party error processing more efficiently. [Means for solving the problem]

[0006] In order to solve the above problem, according to one aspect of the present invention, an information processing system is provided, comprising: a storage control unit that, based on processing related to account information, registers first key information included in the account information in a table; a judgment unit that, based on a notification from a host of an impossible message due to an error occurring in a transfer process, determines whether second key information included in the impossible message matches the first key information; and a processing unit that, when it is determined that the second key information matches the first key information, generates a reply message to the host based on the second key information.

[0007] As a process related to the account information, the memory control unit may register the first key information in the table based on a change in the account holder name included in the account information, and if it is determined that the second key information and the first key information match, the processing unit may generate a transfer deposit message to the host as the reply message.

[0008] The memory control unit may register the first key information and the account holder name before the change in the table based on the change of the account holder name, and the determination unit may determine, based on the notification of the unacceptable message from the host, whether a first condition that the second key information matches the first key information and a second condition that the recipient name included in the unacceptable message matches the account holder name before the change are met, and if it is determined that the first condition and the second condition are met, the processing unit may generate a transfer deposit message to the host as the reply message.

[0009] As a process related to the account information, the memory control unit may register the first key information in the table based on the association of a canceled flag with the account information, and the processing unit may generate a return message to the host as the reply message when it is determined that the second key information and the first key information match.

[0010] The first key information may include a branch name, an account number, and an account number.

[0011] The second key information may include the destination branch name, the account number, and the recipient account number.

[0012] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing system comprising: a memory control unit that, based on a change in the account holder name, associates and stores first key information indicating account information with the account holder name before the change; a determination unit that, based on a notification from a host of an impossible message due to an error occurring in a transfer process, acquires the account holder name before the change associated with the first key information that matches the second key information included in the impossible message, and determines whether the account holder name before the change matches the recipient name included in the impossible message; and a processing unit that, when it is determined that the account holder name before the change matches the recipient name included in the impossible message, generates a reply message to the host based on the second key information.

[0013] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing method executed by a computer, which includes: registering first key information included in account information in a table based on processing related to the account information; determining whether second key information included in an impossible message due to an error occurring in a transfer process matches the first key information based on notification from a host of the impossible message; and generating a reply message to the host based on the second key information when it is determined that the second key information matches the first key information.

[0014] In addition, according to another aspect of the present invention, in order to solve the above problem, a program is provided that causes a computer to function as a memory control unit that registers first key information included in account information in a table based on processing related to the account information, a judgment unit that determines whether second key information included in an impossible message due to an error occurring in a transfer process matches the first key information based on a notification from the host of the impossible message, and a processing unit that generates a reply message to the host based on the second key information when it is determined that the second key information matches the first key information.

[0015] In addition, according to another aspect of the present invention to solve the above problem, there is provided an information processing device comprising: a storage control unit that, based on processing related to account information, registers first key information included in the account information in a table; a judgment unit that, based on a notification from a host of an impossible message due to an error occurring in a transfer process, judges whether second key information included in the impossible message matches the first key information; and a processing unit that, when it is judged that the second key information matches the first key information, generates a reply message to the host based on the second key information. [Effects of the Invention]

[0016] As described above, according to the present invention, it is possible to more efficiently process incoming errors. [Brief explanation of the drawings]

[0017] [Figure 1] FIG. 1 is a diagram for explaining the outline of processing in a typical transfer management system. [Figure 2] This is a diagram to explain the details of remittance error processing in a typical transfer management system. [Figure 3] This is a diagram to explain the details of remittance error processing in a typical transfer management system. [Figure 4]1 is an explanatory diagram showing an example of the configuration of an information processing system 1 according to an embodiment of the present invention. [Figure 5] 2 is a block diagram showing an example of a functional configuration of an operator terminal 10 according to the embodiment of the present invention. FIG. [Figure 6] 2 is a block diagram showing an example of the functional configuration of a transfer management server 20 according to an embodiment of the present invention. FIG. [Figure 7] FIG. 2 is a diagram illustrating an example of the operation of the information processing system 1 according to the first embodiment of the present invention. [Figure 8] FIG. 10 is a diagram illustrating an example of the operation of the information processing system 1 according to the second embodiment of the present invention. [Figure 9] 1 is a diagram showing the hardware configuration of an information processing device 900 as an example of a transfer management server 20 according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0018] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification and drawings, components having substantially the same functional configurations are designated by the same reference numerals, and redundant explanations will be omitted.

[0019] Furthermore, in this specification and drawings, multiple components having substantially the same or similar functional configurations are distinguished by adding different numbers after the same reference numeral. Also, similar components in different embodiments are distinguished by adding different letters after the same reference numeral. However, when there is no particular need to distinguish between multiple components having substantially the same functional configurations, only the same reference numerals are used.

[0020] <1. Overview of the transfer management system> An outline of an embodiment of the present invention will be described below. First, an outline of processing in a general money transfer management system will be described.

[0021] Figure 1 is a diagram for explaining the outline of the processing in a typical transfer management system. First, an example of outgoing error processing among the processes in a typical transfer management system will be explained. As shown in Figure 1, for example, transfer data input from various channels is sent to the local host 96 as an outgoing message.

[0022] For example, transfer data entered into a terminal by customer 91 is sent as a sending message from the terminal to the bank's own host 96 (S111). Alternatively, transfer data entered into a terminal at a branch office 92 is sent as a sending message from the terminal to the bank's own host 96 (S112). Alternatively, transfer data entered into a terminal at the centralized center 94 is sent as a sending message from the terminal to the bank's own host 96 (S113).

[0023] The outgoing message received by the own bank host 96 is sent to the transfer destination host 97 (S114), and is received by the transfer destination host 97. If the outgoing message cannot be deposited into the recipient's account at the transfer destination host 97, an inquiry message is sent from the transfer destination host 97 to the central center 94 via the own bank host 96 (S115). When the inquiry message is received by the business AP server 95 at the central center 94, an outgoing error process is performed based on the inquiry message.

[0024] An example of processing a sending error is to confirm the transfer details with the customer 91 by telephone (S116). Another example of processing a sending error is to create a request form (for example, a correction request form, a return request form, etc.) based on the telephone confirmation. The customer 91 confirms the contents of the created request form, signs it, and returns the request form by fax (S117). An example of processing a sending error is to send a correction message or a return message based on the request form (S118).

[0025] The corrected or returned message is sent to the transfer destination host 97 via the own bank host 96 (S118). The transfer destination host 97 receives the corrected or returned message and performs processing based on the corrected or returned message.

[0026] Next, we will explain an example of a remittance error process among the processes in a general transfer management system. As shown in Figure 1, for example, transfer data input from various channels is sent as an outgoing message from the remitter host 98 to the own host 96, and is received by the own host 96 (S119). If the outgoing message cannot be credited to the recipient's account of the own host 96, a credit failure message is sent from the own host 96 to the central center 94 (S120). In the central center 94, when the business AP server 95 receives the credit failure message, a remittance error process is performed based on the credit failure message.

[0027] An example of a process for handling a remittance error is a telephone confirmation of a message indicating that a deposit cannot be made.Another example of a process for handling a remittance error is a process decision made by an operator at the centralized center 94 (S121).

[0028] For example, if an operator at the centralized center 94 determines that the outgoing message can be corrected, the outgoing message is corrected based on the operator's operation, and the corrected outgoing message is sent to the own bank's host 96 as a transfer deposit message (S122). The own bank's host 96 receives the transfer deposit message and performs a deposit process based on the transfer deposit message (S123).

[0029] On the other hand, if the operator at the central center 94 determines that the outgoing message cannot be corrected, a replacement return message is sent to the own bank's host 96 based on the operator's operation (S124). The own bank's host 96 receives the replacement return message and sends it to the transfer source host 98 (S125). The transfer source host 98 receives the replacement return message and performs return processing based on the replacement return message.

[0030] For example, if the operator of the centralized center 94 determines that an inquiry to the sales branch 92 is necessary, the operator notifies the sales branch 92 of the contents of the deposit impossible message (S126).

[0031] The above explains the overview of the processing in a typical transfer management system. Next, we will explain the details of the processing in a typical transfer management system. First, we will explain the details of the remittance error processing among the processes in a typical transfer management system. Figure 2 is a diagram for explaining the details of the remittance error processing in a typical transfer management system.

[0032] First, when a payment cannot be made to the recipient's account at host 99-2 on the receiving side 92-2 and the operator determines that an inquiry to the sending side is necessary (S210), an inquiry message is sent from host 99-2 on the receiving side 92-2. The inquiry message is then received by business AP server 95-1 in central center 94-1 on the sending side 92-1 via host 99-1 on the sending side 92-1 (S221).

[0033] The original message (outgoing message) is checked by an operator (S222), and if it is determined that it can be corrected, a corrected message is sent to the host 99-2 of the destination side 92-2 based on the operator's operation (S223). On the other hand, if it is determined that it cannot be corrected by the operator, customer information is searched and the customer is contacted based on the operator's operation (S224), and a request form (for example, a request for correction) is prepared by the operator or the operator's superior and sent to the customer by FAX (S225).

[0034] When the customer modifies the request form as appropriate (S230), the modified request form is returned by FAX (S240). When the request form is received at a terminal in the central center 94-1 of the sending side 92-1 (S251), the request form is checked by an operator (S252), and a corrected telegram is automatically created at the terminal based on the request form (S253). When the corrected telegram is approved by the operator's superior, the corrected telegram is sent to the host 99-2 of the receiving side 92-2 (S254).

[0035] Next, we will explain the details of the remittance error processing among the processes in a general remittance management system. Figure 3 is a diagram for explaining the details of the remittance error processing in a general remittance management system.

[0036] First, when transfer data is sent from host 99-1 on the sending side 92-1 (S310) and the payment cannot be deposited into the recipient's account on host 99-2 on the receiving side 92-2, a message indicating that the transfer is not possible is sent from host 99-2 on the receiving side 92-2. The message indicating that the transfer is not possible is then received by business AP server 95-2 in central center 94-2 on the receiving side 92-2 (S321).

[0037] When the operator confirms the recipient's account based on the impossible message (S322), the terminal automatically creates an inquiry message based on the impossible message (S323). Then, when the inquiry message is approved by the operator's superior, the inquiry message is transmitted to the sender 92-1 based on the superior's operation (S324).

[0038] When the business AP server 95-2 of the central center 94-2 of the recipient side 92-2 receives a response to the inquiry message from the counterpart bank (sender side 92-1) (S341), the operator's superior determines whether or not the deposit is possible based on the response result (S342). If the superior determines that the deposit is possible, the deposit process is executed based on the operation of the superior, and if the superior determines that the deposit is impossible, the return process is executed based on the operation of the superior (S343).

[0039] The details of the processing in a typical transfer management system have been explained above. However, there are some areas that need improvement in the error processing of remittances in a typical transfer management system. More specifically, when the receiving party is unable to deposit funds, an inquiry message is sent from the receiving party to the sending party. At this time, the error processing of remittances is delayed until the receiving party receives a response from the sending party to the inquiry message. Therefore, a technology is provided that allows the error processing of remittances to be performed more efficiently.

[0040] Therefore, in this specification, a technique that enables more efficient processing of directed errors will be mainly described.

[0041] The outline of the embodiment of the present invention has been described above.

[0042] <2. Information Processing System Configuration> An example of the configuration of an information processing system 1 according to an embodiment of the present invention will be described with reference to Fig. 4. Fig. 4 is an explanatory diagram showing an example of the configuration of an information processing system 1 according to an embodiment of the present invention. As shown in Fig. 4, the information processing system 1 includes a sales branch 2, a concentration center 4, and a local host 40. The sales branch 2 and the concentration center 4 are connected via a network 44a, and the concentration center 4 and the local host 40 are connected via a network 44b.

[0043] The bank's own host 40 is also connected to another bank's host 42 via a network 44c. The branch 2 has a branch terminal 30 and a printer 32. The central center 4 has an operator terminal 10 and a transfer management server 20. The transfer management server 20 can function as an example of an information processing device.

[0044] The configuration example of the information processing system 1 according to the embodiment of the present invention has been described above.

[0045] <3. Functional configuration of operator terminal> Next, an example of the functional configuration of the operator terminal 10 according to an embodiment of the present invention will be described. Fig. 5 is a block diagram showing an example of the functional configuration of the operator terminal 10 according to an embodiment of the present invention. As shown in Fig. 5, the operator terminal 10 according to an embodiment of the present invention includes a control unit 110, a communication unit 130, a storage unit 140, an operation unit 150, and a display unit 160.

[0046] The control unit 110 has a function of controlling the overall operation of the operator terminal 10, and may be configured by dedicated hardware, or may be realized by a CPU built into the operator terminal 10 expanding a program stored in a ROM into a RAM and executing it. Such a program may be provided, or a storage medium storing such a program may also be provided.

[0047] The communication unit 130 is a communication interface for transmitting and receiving various information between the transfer management server 20, the branch terminal 30, and the bank's own host 40. For example, the communication unit 130 receives a deposit failure message from the transfer management server 20. In addition, for example, the communication unit 130 may send a correction message or a return message to the bank's own host 40.

[0048] The storage unit 140 can store programs and data for operating the control unit 110. The storage unit 140 can also temporarily store various data required in the course of the operation of the control unit 110.

[0049] The operation unit 150 accepts operations input by an operator. The operation unit 150 can also provide the operations accepted from the operator to the control unit 110. In this specification, it is mainly assumed that the operation unit 150 is a keyword and a mouse, but the operation unit 150 may also be an input device other than a keyword and a mouse (for example, a touch panel, etc.).

[0050] The display unit 160 has a function of performing display under the control of the control unit 110. For example, the display unit 160 can display information about the recipient's account under the control of the control unit 110. Here, the form of the display unit 160 is not particularly limited. For example, the display unit 160 may be a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp.

[0051] An example of the functional configuration of the operator terminal 10 according to the embodiment of the present invention has been described above.

[0052] <4. Functional configuration of the transfer management server> Next, an example of the functional configuration of the transfer management server 20 according to an embodiment of the present invention will be described. Figure 6 is a block diagram showing an example of the functional configuration of the transfer management server 20 according to an embodiment of the present invention. As shown in Figure 6, the transfer management server 20 according to an embodiment of the present invention comprises a control unit 210, a communication unit 230, and a memory unit 240.

[0053] The control unit 210 has the function of controlling the overall operation of the transfer management server 20, and may be configured with dedicated hardware, or may be realized by a CPU built into the transfer management server 20 expanding a program stored in ROM into RAM and executing it. Such a program may be provided, or a storage medium on which such a program is stored may also be provided. The control unit 210 comprises a memory control unit 212, a judgment unit 214, a processing unit 216, and a transmission control unit 218.

[0054] The communication unit 230 is a communication interface for transmitting and receiving various information between the operator terminal 10, the branch terminal 30, and the bank's own host 40. For example, the communication unit 230 transmits a deposit failure message received from the bank's own host 40 to the operator terminal 10. Also, for example, the communication unit 230 can transmit a correction message or a return message received from the operator terminal 10 to the bank's own host 40.

[0055] The storage unit 240 can store programs and data for operating the control unit 210. The storage unit 240 can also temporarily store various data required in the course of the operation of the control unit 210.

[0056] An example of the functional configuration of the transfer management server 20 according to the embodiment of the present invention has been described above.

[0057] 5. First Embodiment Next, a first embodiment of the present invention will be described. In the first embodiment of the present invention, the local host 40 stores account information. The account information includes the bank name, branch name, account number, and account holder name. The transfer management server 20 may also store an error tolerance table in the memory unit 240. The error tolerance table may be an example of a table.

[0058] In the first embodiment of the present invention, we will assume that even though the account holder's name has been changed, a transfer request is made using the account holder's name before the change, rather than using the new account holder's name. In the following explanation, the account holder's name before the change will also be referred to as the "old account holder's name." The account holder's name after the change will also be referred to as the "new account holder's name."

[0059] FIG. 7 is a diagram illustrating an example of the operation of the information processing system 1 according to the first embodiment of the present invention. First, the account holder visits the branch office 2 and fills out a name change notification form with the branch name, account number, account number, and new account holder name. The combination of the branch name, account number, and account number can be treated as key information for the data to be registered in the error tolerance table. Therefore, in the following description, the combination of the branch name, account number, and account number will also be referred to as "key information."

[0060] When the account holder hands the name change notification form, which contains the key information and new account holder name, to a bank clerk, the clerk enters the key information and new account holder name entered in the name change notification form into the bank branch terminal 30 as a name change operation (S611), as shown in Figure 7. The bank branch terminal 30 then sends a name change message containing the key information and new account holder name to its own host 40 (S612). Hereinafter, the key information included in the name change message will also be referred to as the "first key information."

[0061] The host 40 receives the name change message, acquires the first key information included in the name change message, and identifies the account holder name associated with the first key information in the account information as the old account holder name.Then, as an example of processing related to the account information, the host 40 performs an account name change, changing the old account holder name to the new account holder name (S613).The host 40 notifies the transfer management server 20 that the old account holder name has been changed by sending name change information, in which the first key information and the old account holder name are associated, to the transfer management server 20 (S614).

[0062] In the transfer management server 20, the communication unit 230 receives the name change information, and the memory control unit 212, based on the reception of the name change information, registers the name change information in the error tolerance table stored by the memory unit 240 (S615).

[0063] Here, let's assume that even though the account holder's name has been changed, a transfer request is made on the sending side with the recipient's name being the old account holder's name, and transfer data including the old account holder's name as the recipient's name is sent from the other bank's host 42 to the own bank's host 40 (S621). In addition to the recipient's name, the transfer data may include the destination bank name, destination branch name, account number, and recipient account number. Hereinafter, the destination branch name, account number, and recipient account number included in the transfer data are also referred to as "second key information."

[0064] At this time, an error occurs in the transfer process based on the account information and transfer data at the host 40. More specifically, an example of an error is a deposit error due to a discrepancy in names (i.e., a deposit error due to a mismatch between the recipient name included in the transfer data and the new account holder name included in the account information) (S622). Information about the deposit error that occurred at the host 40 is then sent from the host 40 to the transfer management server 20 as an invalid message (S623), and the occurrence of the deposit error is notified from the host 40 to the transfer management server 20.

[0065] In addition, the name of the destination bank, second key information, recipient name, and text "Deposit error due to incorrect name (= reason for error)" contained in the transfer data may be set in the impossible message by the local host 40.

[0066] In the transfer management server 20, the communication unit 230 receives the message indicating that the transfer is impossible, and the determination unit 214 acquires the message indicating that the transfer is impossible received by the communication unit 230.

[0067] The judgment unit 214 obtains the second key information, the recipient name, and the main text from the unsuccessful message, and based on the main text being "Payment error due to incorrect name (= reason for error)," judges whether the second key information matches the first key information registered in the error tolerance table.

[0068] Here, the determination unit 214 determines that the second key information acquired from the unacceptable message matches the first key information registered in the error tolerance table (S624). At this time, the processing unit 216 generates a transfer deposit message based on the second key information acquired from the unacceptable message. For example, the processing unit 216 generates a transfer deposit message including the second key information acquired from the unacceptable message. The transfer deposit message may be an example of a reply message to the host 40 of the bank itself.

[0069] Then, the transmission control unit 218 controls the communication unit 230 so that the generated transfer deposit message is sent to the own bank's host 40 by the communication unit 230 (S625). The own bank's host 40 receives the transfer deposit message and performs a deposit process to the account specified by the second key information included in the transfer deposit message (S626).

[0070] On the other hand, when it is determined that the second key information acquired from the impossible message does not match the first key information registered in the error tolerance table, the transmission control unit 218 controls the communication unit 230 so that the impossible message is sent to the operator terminal 10. After the impossible message is sent to the operator terminal 10, error processing is performed in the operator terminal 10.

[0071] The determination unit 214 may determine whether a first condition is met, that is, that the second key information acquired from the unacceptable telegram matches the first key information registered in the error tolerance table, and a second condition is met, that is, that the recipient name acquired from the unacceptable telegram matches the old account holder name associated with the first key information registered in the error tolerance table. This allows for more accurate determination of whether the account holder name has been changed.

[0072] The processing unit 216 may generate a transfer deposit message if the first condition and the second condition are satisfied. Then, the transmission control unit 218 may control the communication unit 230 so that the generated transfer deposit message is sent by the communication unit 230 to the host 40. On the other hand, the processing unit 216 may control the communication unit 230 so that an inability message is sent to the operator terminal 10 if the first condition or the second condition is not satisfied.

[0073] The following describes error processing in the operator terminal 10. In the operator terminal 10, the communication unit 130 receives the impossible message from the transfer management server 20. In the operator terminal 10, the control unit 110 controls the display unit 160 to display the impossible message.

[0074] When the operator confirms the recipient's account based on the impossible message, the operator selects one of the following actions: deposit, refund, or inquiry. For example, if the operator determines that an inquiry to the sending bank is necessary, the operator inputs an operation to select inquiry. When the operation unit 150 accepts the operation to select inquiry, the control unit 110 determines, based on the impossible message, whether the sending bank of the impossible message is the bank itself. For example, the control unit 110 determines, based on the name of the sending bank included in the impossible message, whether the sending bank of the impossible message is the bank itself.

[0075] If the control unit 110 determines that the destination bank of the undeliverable message is its own bank, it controls the display of the client search screen by the display unit 160. On the client search screen, the operator searches for client information and contacts the client, and the operator or the operator's superior creates a request (for example, a correction request, a return request, etc.) and sends it by fax to the client.

[0076] Once the request form has been amended and signed by the client, the amended form is returned by fax. When the request form is received at the operator terminal 10, the operator checks the form and automatically creates a correction message or a return message based on the request form at the operator terminal 10. Once the correction message or return message is approved by the operator's superior, the correction message or return message is sent to the host 40 of the client's own bank.

[0077] On the other hand, if the control unit 110 determines that the destination bank of the undelivered message is another bank, it controls the display by the display unit 160 of the inquiry message creation screen.

[0078] If the operator determines that the outgoing message can be corrected, the operator inputs an operation to select deposit. When the operation to select deposit is accepted by the operation unit 150, the outgoing message is corrected based on the operation by the operator, and the control unit 110 controls the transmission of the corrected outgoing message to the own bank's host 40 as a transfer deposit message. The own bank's host 40 receives the transfer deposit message and performs deposit processing based on the transfer deposit message.

[0079] On the other hand, if the operator determines that the outgoing message cannot be corrected, he / she inputs an operation to select "reset." When the operation unit 150 accepts the operation to select "reset," the control unit 110 controls the transmission of a replacement return message to the host 40 based on the operation by the operator. The host 40 receives the replacement return message and performs return processing based on the replacement return message.

[0080] (effect) According to the first embodiment of the present invention, when an account holder's name is changed, the old account holder's name and first key information are sent from the host to the transfer management server 20, and the old account holder's name and first key information are registered in the error tolerance table in the transfer management server 20. As a result, even if the requester mistakenly uses the old account holder's name to request a transfer, automatic deposit can be made as long as the recipient's name and second key information included in the transfer data are registered in the error tolerance table. This allows for more efficient remittance error processing.

[0081] The first embodiment of the present invention has been described above.

[0082] 6. Second Embodiment Next, a second embodiment of the present invention will be described. In the second embodiment of the present invention, as in the first embodiment of the present invention, the local host 40 stores account information. The account information includes the bank name, branch name, account number, and account holder name. Also, in the second embodiment of the present invention, the transfer management server 20 may store an account cancellation table in the memory unit 240. The account cancellation table may be an example of a table.

[0083] In the first embodiment of the present invention, it is assumed that a transfer request is made to a closed account, even though the account has already been closed.

[0084] FIG. 8 is a diagram illustrating an example of the operation of the information processing system 1 according to the second embodiment of the present invention. First, the account holder visits the branch 2 and fills out an account closure form with the branch name, account number, and account number corresponding to the account they wish to close. The combination of the branch name, account number, and account number can be treated as key information for the data to be registered in the account closure table. Therefore, in the second embodiment of the present invention, the combination of the branch name, account number, and account number is also referred to as "key information."

[0085] When the account holder hands the account closure notice with the key information filled in to a bank clerk, the clerk enters the key information filled in on the account closure notice into the branch terminal 30 as an account change operation (S711), as shown in Figure 8. The branch terminal 30 then sends an account closure message including the key information to its own host 40 (S712). In the second embodiment of the present invention, the key information included in the account closure message is also referred to as "first key information."

[0086] The host 40 of the bank itself receives the account cancellation message, acquires the first key information included in the account cancellation message, identifies the first key information in the account information, and, as an example of processing related to the account information, closes the account by associating a cancellation flag with the identified first key information (S713).The host 40 of the bank itself notifies the transfer management server 20 that the account has been closed by sending account cancellation information including the first key information to the transfer management server 20 (S714).

[0087] In the transfer management server 20, the communication unit 230 receives the account cancellation information, and the memory control unit 212, based on the receipt of the account cancellation information, registers the account cancellation information in the account cancellation table stored by the memory unit 240 (S715).

[0088] Here, suppose that even though the account has been closed, a transfer request is made on the sending side to the closed account, and transfer data including the closed recipient account number is sent from the other bank's host 42 to the own bank's host 40 (S721). In addition to the recipient account number, the transfer data may include the name of the destination bank, the name of the destination branch, and an account number. In the second embodiment of the present invention, the name of the destination branch, the account number, and the recipient account number included in the transfer data are also referred to as "second key information."

[0089] At this time, an error occurs in the transfer process based on the account information and transfer data at the host 40. More specifically, an example of an error is a deposit error into a closed account (i.e., a deposit error caused by a closed flag being associated with account information having an account number that matches the recipient account number included in the transfer data) (S722). Information about the deposit error that occurred at the host 40 is then sent from the host 40 to the transfer management server 20 as an invalid message (S723), and the occurrence of the deposit error is notified from the host 40 to the transfer management server 20.

[0090] In addition, the inability message may be set by the local host 40 with the name of the destination bank, second key information, recipient name, and text such as "Error in depositing to a closed account (= reason for error)" contained in the transfer data.

[0091] In the transfer management server 20, the communication unit 230 receives the message indicating that the transfer is impossible, and the determination unit 214 acquires the message indicating that the transfer is impossible received by the communication unit 230.

[0092] The judgment unit 214 obtains the second key information, the recipient name, and the main text from the unsuccessful message, and based on the fact that the main text is "Error in depositing money into a closed account (= reason for error)," judges whether the second key information matches the first key information registered in the account cancellation table.

[0093] Here, the determination unit 214 determines that the second key information acquired from the impossible message matches the first key information registered in the account cancellation table (S724). At this time, the processing unit 216 generates a return message based on the second key information acquired from the impossible message. For example, the processing unit 216 generates a return message including the second key information acquired from the impossible message and the return reason "transfer to a canceled account." The return message may be an example of a reply message to the host 40 of the bank itself.

[0094] Then, the transmission control unit 218 controls the communication unit 230 so that the generated return message is sent to the own bank host 40 by the communication unit 230 (S725). The own bank host 40 receives the return message and returns the transferred funds to the sender by sending a transfer message based on the return message to the other bank host 42 (S726).

[0095] On the other hand, when it is determined that the second key information acquired from the unacceptable telegram does not match the first key information registered in the error tolerance table, the transmission control unit 218 controls the communication unit 230 so that the unacceptable telegram is sent to the operator terminal 10. After the unacceptable telegram is sent to the operator terminal 10, error processing is performed in the operator terminal 10. The error processing in the operator terminal 10 may be executed in the same manner as the error processing in the operator terminal 10 according to the first embodiment of the present invention.

[0096] (effect) According to the second embodiment of the present invention, when an account is closed, first key information is sent from the host to the transfer management server 20, and the first key information is registered in the account cancellation table in the transfer management server 20. As a result, even if the requester mistakenly makes a transfer request to an account that has already been closed, the funds can be automatically returned if the second key information included in the transfer data is registered in the account cancellation table. This allows for more efficient handling of remittance errors.

[0097] The second embodiment of the present invention has been described above.

[0098] <7. Hardware Configuration>

[0099] Next, we will explain the hardware configuration of the transfer management server 20 according to an embodiment of the present invention. Note that while we will explain the hardware configuration of the transfer management server 20 here, the hardware configuration of the operator terminal 10 can also be realized in the same way as the hardware configuration of the transfer management server 20.

[0100] 9 is a diagram showing the hardware configuration of an information processing device 900 as an example of the transfer management server 20 according to an embodiment of the present invention. The information processing device 900 comprises a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, and a communication device 911.

[0101] The CPU 901 functions as an arithmetic processing unit and control unit, and controls the overall operation of the information processing device 900 in accordance with various programs. The CPU 901 may also be a microprocessor. The ROM 902 stores programs used by the CPU 901, calculation parameters, etc. The RAM 903 temporarily stores programs used in the execution of the CPU 901, parameters that change as appropriate during the execution, etc. These are interconnected by a host bus 904 that is composed of a CPU bus, etc.

[0102] The host bus 904 is connected to an external bus 906, such as a PCI (Peripheral Component Interconnect / Interface) bus, via a bridge 905. It is not necessary to configure the host bus 904, bridge 905, and external bus 906 separately, and these functions may be implemented on a single bus.

[0103] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, buttons, microphone, switches, and levers that allow the user to input information, and an input control circuit that generates an input signal based on the user's input and outputs it to the CPU 901. By operating this input device 908, the user operating the information processing device 900 can input various data to the information processing device 900 and instruct the information processing device 900 to perform processing operations.

[0104] The output device 909 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Diode) device, or a lamp, and an audio output device such as a speaker.

[0105] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, and a deletion device for deleting data recorded on the storage medium. The storage device 910 is configured, for example, with an HDD (Hard Disk Drive). This storage device 910 drives a hard disk and stores programs executed by the CPU 901 and various data.

[0106] The communication device 911 is, for example, a communication interface configured with a communication device for connecting to a network, etc. The communication device 911 may be compatible with either wireless communication or wired communication.

[0107] The hardware configuration of the transfer management server 20 according to the embodiment of the present invention has been described above.

[0108] <8. Conclusion> Although the preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art to which the present invention pertains can conceive of various modifications and alterations within the scope of the technical ideas set forth in the claims, and it is understood that these also naturally fall within the technical scope of the present invention.

[0109] In the first embodiment of the present invention, an example was described in which a client submits a name change notification to a counter. However, the client may also submit a recording medium on which the branch name, account number, account number, and new account holder name are recorded. In this case, a reading device separately installed in the reception terminal at the counter may read the branch name, account number, account number, and new account holder name from the recording medium, and the read branch name, account number, account number, and new account holder name may be transmitted to the bank's own host 40 via the central center 4. For example, the recording medium may be a floppy disk.

[0110] In the second embodiment of the present invention, an example has been described in which a client submits an account closure notice to a counter. However, the client may also submit a recording medium on which the branch name, account number, and account number are recorded. In this case, a reading device separately provided at the reception terminal at the counter may read the branch name, account number, and account number from the recording medium, and the read branch name, account number, and account number may be transmitted to the bank's own host 40 via the centralized center 4. For example, the recording medium may be a floppy disk.

[0111] For example, although the above describes an example in which an embodiment of the present invention is applied to an exchange system for financial institutions, the embodiment of the present invention can also be applied to other systems in general that perform transfer processing.

[0112] Furthermore, the steps in the processing of the exchange system in this specification do not necessarily have to be processed in chronological order according to the order described in the flowchart. For example, the steps in the processing of the exchange system may be processed in an order different from that described in the flowchart, or may be processed in parallel. [Explanation of symbols]

[0113] 1. Information Processing Systems 2 Sales Offices 4 Centralized Center 10 Operator terminal 110 control section 130 Communications Department 140 Storage section 150 Operation section 160 Display section 20 Transfer management server (information processing device) 210 Control Unit 212 Memory control unit 214 Judgment section 216 Processing section 218 Transmission control section 230 Communications Department 240 Storage section 30 Sales office terminal 32 printers 40 Self-host 42 Other Bank Host

Claims

1. a storage control unit that registers first key information included in the account information in a table based on the processing of the account information; a determination unit that determines whether or not second key information included in an impossible message due to an error occurring in a transfer process matches the first key information, based on the notification from the host of the impossible message; a processing unit that generates a reply message to the host based on the second key information when it is determined that the second key information and the first key information match; An information processing system comprising:

2. the storage control unit, as a process related to the account information, registers the first key information in the table based on a change in the account holder name included in the account information; the processing unit generates a transfer deposit message to the host as the reply message when it is determined that the second key information and the first key information match. The information processing system according to claim 1 .

3. the storage control unit registers the first key information and the account holder's name before the change in the table based on the change of the account holder's name; the determination unit determines, based on the notification of the impossible message from the host, whether or not a first condition that the second key information matches the first key information and a second condition that the recipient name included in the impossible message matches the account holder name before the change are satisfied; the processing unit generates a transfer deposit message to the host as the reply message when it is determined that the first condition and the second condition are satisfied. The information processing system according to claim 2 .

4. the storage control unit, as a process related to the account information, registers the first key information in the table based on the fact that a cancellation flag has been associated with the account information; the processing unit generates a return message to the host as the reply message when it is determined that the second key information and the first key information match. The information processing system according to claim 1 .

5. The first key information includes a branch name, a subject, and an account number. The information processing system according to claim 1 .

6. The second key information includes the destination branch name, the subject line item, and the recipient account number. The information processing system according to claim 1 .

7. a storage control unit that stores first key information indicating account information and the account holder's name before the change in association with each other based on a change in the account holder's name; a determination unit that, upon receiving a notification from a host of an impossible message due to an error in a transfer process, acquires the account holder name before the change associated with the first key information that matches the second key information included in the impossible message, and determines whether the account holder name before the change matches the recipient name included in the impossible message; a processing unit that generates a reply message to the host based on the second key information when it is determined that the account holder name before the change matches the recipient name included in the unchangeable message; An information processing system comprising:

8. registering first key information included in the account information in a table based on the processing of the account information; When a message indicating that a transfer is impossible due to an error occurring in the transfer process is notified from the host, it is determined whether or not the second key information included in the message indicating that the transfer is impossible matches the first key information; generating a reply message to the host based on the second key information when it is determined that the second key information and the first key information match; 2. A computer-implemented information processing method, comprising:

9. Computer, a storage control unit that registers first key information included in the account information in a table based on the processing of the account information; a determination unit that determines whether or not second key information included in an impossible message due to an error occurring in a transfer process matches the first key information, based on the notification from the host of the impossible message; a processing unit that generates a reply message to the host based on the second key information when it is determined that the second key information and the first key information match; A program that functions as a

10. a storage control unit that registers first key information included in the account information in a table based on the processing of the account information; a determination unit that determines whether or not second key information included in an impossible message due to an error occurring in a transfer process matches the first key information, based on the notification from the host of the impossible message; a processing unit that generates a reply message to the host based on the second key information when it is determined that the second key information and the first key information match; An information processing device comprising:

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