JP4859337B2 - Processing method and processing system for directed message in financial institution - Google Patents

Description

  The present invention relates to a method and system for efficiently processing a destination message / inquiry message received from another financial institution in a financial institution.

  Telegraph exchange is one of the major transactions in financial institutions. In this telegraphic exchange transaction, processing of three types of communication telegrams is mainly performed: a destination telegram, an inquiry telegram, and a request / response telegram.

  The destination message is generated by the financial institution (hereinafter referred to as the “destination institution”) that is the destination (source) of the transfer or remittance and is sent to the financial institution (hereinafter referred to as the “destination institution”). This is a communication message to be transmitted. This destination message is a destination message when viewed from the received destination organization. The destination organization performs fund transfer processing based on the account number, account type, and account name information included in the destination message.

  In addition, the inquiry message is sent to the destination organization to inquire whether the account number etc. is correct when it becomes impossible to transfer due to the difference in account name etc. This is a communication message generated by the institution and transmitted to the destination institution. The destination organization that has received the inquiry message confirms the inquiry content to the transfer requester (customer) by telephone or the like. Then, the requesting / replying message is sent from the destination organization to the destination organization after correcting the account name and the like.

  As such a communication message processing method, for example, the matters disclosed in the following patent documents are helpful.

JP 2002-297916 A Japanese Patent Laid-Open No. 2001-22877

  By the way, the communication message is transmitted and received through Zengin-Net, which is affiliated with most domestic banks. The communication messages specified in this Zengin-Net are basically free format, and the wording described in the messages is not uniform, so the processing of received communication messages is very much for both the destination organization and the destination organization. It is a complicated task. For example, in the processing of the destination message, it is not possible to automatically determine which information in the destination message was wrong when a transfer error occurs. For this reason, it is necessary to print all the receipts for the destination message, and the person in charge must identify the cause of the transfer error based on the information included in the message. And the inquiry message which described the reason of the transfer error specified in this way in the text uniquely determined by the destination organization is created and transmitted to the destination organization.

  In addition, some destination messages do not accept inquiries from the destination organization in the case of a transfer error, and immediately request a reorganization (refund by withdrawal of the request). Since the target message requesting such recombination may be set for each target message, uniform processing for each financial institution cannot be performed. For this reason, the person in charge judges whether or not the reorganization is necessary by visually checking the reception slip.

  As described above, all communication telegram processing must be relied upon manually, which is inefficient and contributes to high cost.

  On the other hand, in the case of transfer or remittance using an automatic teller machine (ATM), there is no response when the transfer process cannot be performed at the destination organization. That is, when a customer inputs an account number of a bank account to the ATM, the corresponding account name information and the reason for the difference of the name holder are immediately displayed on the ATM screen. For this reason, only the information on the correct transfer destination confirmed by the customer is transmitted to the destination organization, and no transfer error occurs in the destination organization. Transfers using such ATMs are not limited to one's own bank. For example, a system for each business type such as BANKS (BANks Cash Service) in which city banks are affiliated and ACS (All Chigin Service) in which regional banks are affiliated. Is also possible with other financial institutions.

  However, transfer to other financial institutions outside the tie-up is only done by a form method in which the customer fills in the necessary items on the form at the storefront and the bank employee sends the form to the office center by FAX or the like. In this form method, since the destination organization does not confirm the description content (direction information) of the form with the destination organization before transmission, processing of the destination message as described above is routinely performed.

  Further, the transfer from the ATM has a security problem because the account name corresponding to the input account number is displayed on the ATM screen to prompt the client to confirm. That is, even if the account number is entered randomly, the corresponding account name is displayed, leading to the outflow of customer information. In particular, in a net bank that accepts transfer requests on the Internet, it is possible to request transfer without being restricted by time or place, so if you display the name of the account and prompt confirmation as with ATM, customer information May be illegally acquired in large quantities.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a method and a system that can efficiently process a destination message received by a financial institution when a fund transfer request is made.

According to the first main aspect of the present invention, when transferring funds from another financial institution to a specific account of the financial institution, information on the account name and account number of the transfer destination received from the other financial institution. A method for processing a destination message including a computer system,
Transfer acceptability determination step of determining whether transfer processing is possible by matching the information of the account name and account number of the transfer destination included in the destination message with the information of the master file in which the account name and account number information is stored in advance. In order to inquire whether the account name and / or the account number is correct with respect to the other financial institution based on whether the predetermined discrimination information is extracted from the destination message when it is determined that the transfer is impossible An inquiry message output necessity determination step for determining whether or not an inquiry message output is necessary, and when it is determined that an inquiry message output is necessary, an inquiry message including a reason for determining that the transfer is impossible is generated and sent to the other financial institution. An inquiry message output step for outputting is provided.

  According to such a configuration, it is possible to manually determine whether transfer processing of the destination message is possible, whether to generate a query message when transfer is impossible, and output of a query message when query message generation is necessary. Instead, it was executed in a series of processes. For example, in the destination message that can be transferred, the transfer process is executed, and for those that cannot be transferred, the inquiry message that needs to be sent must be generated, sent to the destination organization, and sent If there is no item, it is possible to perform processing such as outputting a reception slip and shifting to a visual judgment of the person in charge. As a result, all destination messages received by the destination organization can be automatically processed.

  In addition, according to the second main aspect of the present invention, when a fund transfer request from another financial institution is made to a specific account of the financial institution, the account name and account number of the transfer destination received from the other financial institution Information of the transfer destination account name and account number information included in the destination message, information of the master file in which the account name and account number information is stored in advance Based on whether or not a transfer determination unit that determines whether transfer processing can be performed by matching, or when predetermined transfer information is extracted from the destination message when it is determined that transfer is not possible, to the other financial institution Inquiry message output necessity determination means for determining whether or not an inquiry message output for inquiring whether the account name and / or the account number is correct, and the transfer when the inquiry message output necessity is determined System characterized by generating a query message containing a reason why it is determined that capacity that an inquiry message output means for outputting to said other financial institutions are provided.

  According to such a configuration, it is possible to obtain a system that can suitably execute the method for processing a destination message in the first main aspect described above.

  According to the present invention, since all destination messages received by the destination organization can be automatically determined without manual intervention, the processing efficiency of the destination message can be dramatically improved. Conventionally, since the person in charge has determined whether or not the inquiry message needs to be transmitted, it is necessary for a supervisor or a specialized person to carefully examine the determination result, which further reduces the work efficiency. On the other hand, according to the present invention, it is possible to minimize a person's judgment when it is necessary to make an inquiry or whether or not to output a reception form. As a result, the human load can be further reduced, and further improvement in business efficiency and cost reduction can be achieved.

  Other features and remarkable effects of the present invention will be understood more clearly by referring to the description of the best mode section for carrying out the present invention and the attached drawings.

  The best mode for carrying out the present invention will be described below with reference to the drawings. This embodiment is an example in which a customer requests a transfer from his / her own account to a specific account of another financial institution.

  FIG. 1 is a diagram showing a schematic configuration of a message processing system 1 installed in a bank 2. This message processing system 1 accepts a destination message from a communication terminal 5 of another bank 4 requested to transfer by a customer 3 through a dedicated line of Zengin Net BN, and an account number registered in a customer information master file 6 Based on the above, it is determined whether or not the transfer is possible, and the account system 7 is instructed to deposit money. In addition, when transfer is impossible, an inquiry message for the other bank 4 is generated and transmitted.

  The electronic message processing system 1 is composed of one or more computer systems (servers) installed in a bank 2, and the Zengin Net is connected via an FE (Frontend) server 8, a firewall or a router (not shown). It is published on BN. Various business processing systems are installed in the bank 2 in addition to the electronic message processing system 1 and the billing system 7, and are connected to each other by LAN, WAN, etc., but detailed description of these systems is omitted. To do. Further, in the following description, for convenience, the other bank 4 in which the customer 3 has an account is referred to as a destination institution, and the bank 2 having a transfer destination account is referred to as a destination institution.

  Next, a specific configuration of the message processing system 1 will be described with reference to FIGS.

  As shown in FIG. 2, the message processing system 1 includes a data storage unit 15 and a program storage unit 16 on a bus 14 to which a CPU 10, a RAM 11, a communication device 12 such as a modem, and an input / output device 13 are connected. It is configured.

  The data storage unit 15 includes a message information storage unit 18 and a determination information table 19.

  The telegram information storage unit 18 registers the received communication telegram and data of the correction candidate 20 described later in association with the transmission number 21 issued by the destination organization 4. This transmission number 21 is a unique number that is assigned when the destination organization 4 generates and transmits a destination message, and is included in the destination message. Registration may be performed in association with the reception number issued when the destination organization 2 receives the destination message.

  The determination information table 19 includes inquiry necessity determination information 22 for determining whether or not to send an inquiry message to the destination organization 4 when a transfer error occurs in the destination message, and an account number and account name in the case of inquiry. The error correction pattern 23 for automatically correcting the inquiry and the inquiry reason determination information 24 for determining the inquiry reason of the inquiry message in the destination organization 4 are registered.

  Here, the inquiry necessity determination information 22 includes, for example, specific character strings such as “showing funnow”, “hot”, “kumimodoshi”, and the like. In some cases, the destination organization 4 does not accept an inquiry such as an account name when a transfer error occurs in the destination organization 2, and immediately requests a refund (combination) of funds related to the transfer request. This is because the destination organization 4 omits the inquiry operation to the customer 3, or the communication message from the processing center that collectively processes the transfer requests from a plurality of banks, branches, companies, etc., the processing center responds to the inquiry message. Since it is not possible to answer, a message may be written that refuses to accept an inquiry. For this reason, if the “free form” (remarks, etc.) in the message to be sent contains “Show Kaifu Nounai Ai Kumimodoshi Kou” or “XX Shiten Atsukai”, it contains the above registered character string. A message is not generated. Since the text of such a message is mostly determined in advance for each bank or the processing center, such a message pattern is registered in association with identification information of the bank or the like. Thereby, the determination precision of the necessity of inquiry can be improved.

  The inquiry necessity determination information 22 is also used as deposit permission / non-permission determination information for determining whether or not deposit processing is possible for the request / response message from the destination engine 4 in the destination engine 2. In other words, if the request / response message contains the above wording, it is determined that the destination organization 4 has not been able to notify the customer 3 of the reason for the inquiry, or that the customer 3 has withdrawn the transfer request. Execute the process.

  Among the account name / number error correction patterns 23, as an error correction pattern for an account number, a correction rule of “deleting the first n-digit number of a regular 7-digit account number” is registered. This n-digit number can be determined in consideration of the branch number or bank identification number. For example, if it is a branch number, it is usually 3 digits, but if the transfer destination is a net bank account, there is no distinction between the head office and the branch and it is often uniform 001, so 1 is added to the head of the account number. There is a case. For this reason, as this error correction pattern, a rule that “the first n digits (1 digit or 3 digits) are deleted when the account number of the destination message is 8 digits or 10 digits” is registered. Further, a rule of “deleting information other than numbers (symbols such as / − :, characters, spaces, etc.)” may be registered.

  Next, as an account name error correction pattern, for example, as shown in FIG. 3, deletion of “sama”, “ate”, “dono”, “onchu” at the end of the account name, deletion of numbers / symbols at the beginning or end , Multiple corrections such as mutual correction of long sound notation (O and O), "di" and "di", "zu" and "「 "," shibu "and" siten "and" eigosho "are registered. ing.

  As the inquiry reason determination information 24, for example, as shown in FIG. 4, discrimination information is registered for each inquiry reason, that is, for each reason that transfer is impossible. For example, if the free-form field of the inquiry message contains a character string such as “Meigisoi” or “Maisou”, it is determined that the inquiry reason is “difference in account name”.

  In addition to the main program 25, the program storage unit 16 mainly executes a message processing unit 26 and a request / response message processing unit 27 that execute message processing in the destination engine 2, and executes message processing in the destination engine 4. An inquiry message processing unit 28, a communication message transmission / reception unit 29 that executes processing common to both, a reception form output unit 30, and a deposit / withdrawal processing unit 31 are provided. In the following, first, the common functional units will be described, and then the destination message processing unit 26, the request / answer message processing unit 27, and the inquiry message processing unit 28 will be described in order. It should be noted that functional units not related to the present embodiment, such as a destination message generation unit in the destination organization 4, are not shown and described.

  The communication message transmission / reception unit 29 transmits / receives a communication message to / from other financial institutions (the destination organization 4 and the destination organization 2) through the Zengin-Net BN, and the received communication message is sent to the message information storage unit 18. It has a function of storing in association with the calling number. The reception form output unit 30 prints a reception form as shown in FIGS. 11 and 12 or attaches it to an e-mail for confirmation or storage by the operator after executing predetermined processing on the communication message. Play a function. This reception slip will be described later. The deposit / withdrawal processing unit 31 executes a deposit instruction to the account system 7 and deposit / withdrawal processing to a separate deposit account.

  Here, the communication message transmission / reception unit 29 also has a function of incorporating a unique transmission number generated by, for example, scrambling the account number of the customer 3 into this message when transmitting the destination message at the destination organization 4. The communication message transmission / reception unit 29 discriminates the type of the received communication message, and delivers the message information to each of the message processing units 26 to 28 according to this type.

  Next, the destination message processing unit 26 executes predetermined processing in the destination engine 2 when the communication message transmission / reception unit 29 receives the destination message from the destination engine 4.

  Specifically, as shown in FIG. 5, the received message processing unit 26 matches a received message with the customer information master file 6 to determine whether transfer is possible or not, An inquiry necessity determination unit 36 for determining whether or not to refer to the destination organization 4 based on whether the inquiry necessity determination information 22 is extracted from the destination message, and the account name / number error correction pattern 23 when transfer is impossible. The account number / account name / number correction processing unit 37 that corrects the account number and the account name by applying ID, the non-transfer reason determination unit 38 that determines the reason for non-transfer according to the determination conditions shown in FIG. 3, and the non-transfer reason The inquiry message generation unit 39 that generates the inquiry message displaying the message and transmits it to the destination organization 4, searches the customer information master file 6 with the account number related to the inquiry message, extracts the corresponding account name, And a correction candidate registration unit 40 to register the message information storage section 18 in association with the calling number 21.

  Here, the deposit acceptance / rejection determination unit 35 determines whether or not it is possible to repeatedly deposit based on the destination information corrected by the account holder / number correction processing unit 37. For example, if it is not possible to make a deposit, it will be re-determined if the number of digits in the account number is adjusted, and if the deposit is still impossible, the third deposit will be made when the account name “Sama” and “Ate” are deleted. Whether or not depositing is still possible, the fourth depositing decision is made at the time when the first or last number or symbol in the account name is deleted. The priority order of the correction processing is preferably determined on the basis of the frequency (probability) that the error occurs and the processing speed. For example, when priority is given to processing speed, the search and correction of numbers can be processed faster than the analysis and correction of character strings, so the number of digits in the account number must first be corrected before the account name is corrected. Will do. Also, this priority order is determined by determining whether the channel on which the destination organization 4 has accepted the transfer request from the customer 3 is net banking or a window based on the identification number or branch name of the destination organization 4 included in the destination message. You may change based on a result. Alternatively, the priority order can be changed for each destination engine 4. This can be expected to improve the correction accuracy and speed up the processing.

  Next, the request / answer message processing unit 27 performs a predetermined process when the communication message transmitting / receiving unit 29 receives a request / answer message transmitted from a request / answer message generating unit 49 described later in the destination organization 2. The process is executed.

  Specifically, as shown in FIG. 6, the request / answer message processing unit 27 extracts the inquiry reason from the message information storage unit 18 based on the received transmission number 21 of the request / answer message, and determines the inquiry reason. Based on the inquiry reason determining unit 41 for determining, a depositing process necessity determining unit 42 for determining whether or not the depositing process is necessary based on whether the inquiry necessity determining information is extracted from the request / answer message, and the calling number 21 And a correction candidate extraction unit 43 that extracts the correction candidates 20 from the electronic message information storage unit 18.

  Here, the inquiry reason determination unit 41 activates the deposit process necessity determination unit 42 when the inquiry reason is “account name difference”. This is because if the reason for inquiry is other than “no-name difference” (no corresponding account, etc.), it is certain that the deposit process will be impossible even if matched with the correction candidate 20, so a receipt slip is printed. In this way, it is left to the operator's judgment. In addition, if the inquiry message is sent without correcting the account number or account name for the destination message, the account number is automatically corrected at this point to determine whether payment is possible, regardless of the reason for the inquiry. You may make it do.

  The inquiry message processing unit 28 executes predetermined processing in the destination organization 4 when the communication message transmission / reception unit 29 receives the inquiry message transmitted from the inquiry message generation unit 39 of the destination organization 2. It is.

  Specifically, as shown in FIG. 7, the inquiry message processing unit 28 determines an untransferable reason determination unit 45 that determines an untransferable reason based on whether the inquiry reason determination information 24 is extracted from the received inquiry message. When the inquiry reason determination information 24 cannot be extracted, a transfer input reason reception unit 46 that generates and displays a predetermined input interface and receives an input of the transfer reason determined by the operator, and a transfer disable reason determination unit 45 or transfer A non-transfer reason output unit 47 that creates a destination information confirmation message that displays the reason for transfer non-acquisition acquired from the reason reason reception unit 46 and notifies the customer 3; a correction information acquisition unit 48 that acquires correction information from the customer 3; A request / reply message generator 49 for generating a request / reply message in which the correction information is described in the remarks column is provided.

  Here, for delivery of messages and correction information with the customer 3, any of e-mail, FAX, a customer-specific page on the WEB, or the like may be used.

  Each of the above components is actually a certain area secured in the storage medium of the computer system and a program installed in this area. When the CPU 10 is called and executed on the RAM 11 by the CPU 10, the OS ( The function of the present invention is achieved in cooperation with the operation system.

  Next, detailed functions of the message processing system 1 will be described together with actual operations with reference to FIGS. In addition, S1-S39 of these figures is a code | symbol which shows a processing order, and respond | corresponds to step S1-S39 of the following description.

  First, the processing process of the destination message shown in FIG. 8 will be described. This process is mainly executed by the destination message processing unit 26.

  This processing is started when the communication message transmitting / receiving unit 29 receives a destination message from the destination organization 4. First, the deposit acceptance / rejection determination unit 35 extracts the account number / account name information from the destination message (step S1), and matches the customer information master file 6 to determine whether or not the deposit is possible (step S2). If it is determined that depositing is possible (Yes in step S2), the deposit / withdrawal processing unit 31 transmits information on the destination message to the billing system 7 and executes automatic depositing process (step S3). The “automatic deposit process” in the following description is performed in the same manner.

  On the other hand, when it is determined that the deposit process is not possible (No in Step S2), after the deposit / withdrawal processing unit 31 once deposits the funds related to the destination message to the separate deposit account of the destination organization 2 (Step S4). The inquiry necessity determination unit 36 is activated and determines whether or not the inquiry is necessary based on whether the character string of the inquiry necessity determination information 22 is extracted from the intended message (step S5). If it is determined that the inquiry is required (No in step S5), the account number / account name / number correction processing unit 37 is activated, and first the account number is applied by applying the account number error correction pattern (23). Is corrected (steps S6 and S7). Specifically, when the account number is 8 digits or 10 digits, the first 1 digit or 3 digits are deleted to correct the account number to 7 digits.

  Next, the reason for untransferable reason determination unit 38 is activated to search the customer information master file 6 for the corrected 7-digit account number. If the corresponding account is not searched (No in step S8), the reason for untransferable reason Is determined as “no corresponding account” (step S9). When the corresponding account is searched (Yes in step S8), the depositing permission / inhibition determining unit 35 determines whether or not depositing is possible again (step S10). If it is determined again that the deposit process is impossible (No in step S10), the account name / number correction processing unit 37 applies the account name error correction pattern (23) to correct the account name. (Steps S11 and S12). As described above, a plurality of misregistration correction patterns in the account name are registered, and whether or not the account name can be corrected is determined based on whether correction processing has been executed for all the correction patterns (step S11). When it is determined that depositing is possible in this routine, the automatic depositing process is executed in the same manner as in step S3 (step S13). If it is determined that the deposit is impossible even by such a correction process, the reason why the transfer is impossible is determined by the transfer impossible reason determination unit 38 as “name difference” (step S14).

  On the other hand, if it is determined in step S5 that a character string such as “Nyukin Funou” or “Kumimodoshi” is extracted and it is determined that the inquiry is not required (Yes in step S5), the receipt slip output unit 30 indicates that the transfer is impossible (“no corresponding account”). A reception slip on which “Nominee” is displayed is printed (step S15). The operator visually confirms the contents of the message to be sent, the reason for non-transfer, the necessity of inquiry, etc. for the printed receipt, and performs predetermined processing. FIG. 11 shows the reception slip in this case.

  When the reason for the inability to transfer is determined by the above processing, the inquiry message generation unit 39 generates an inquiry message displaying the reason for the inability to transfer and transmits it to the destination organization 4 (step S16). In addition, the inquiry message generation unit 39 stores the transmitted inquiry message in the message information storage unit 18 (step S17).

  Next, the correction candidate registration unit 40 is activated, searches the customer information master file 6 with the account number or account name related to the inquiry message, extracts the corresponding account name or account number, and the message information as the correction candidate 20 It is registered in the storage unit 18 (step S18). For example, when the inquiry message is transmitted to the destination organization for the reason of “name difference”, the account number is presumed to be correct, and the account name information corresponding to this number is extracted from the customer information master file 6. In addition, when an inquiry message is sent for the reason of “no corresponding account”, if the account name corresponding to the customer information master file 6 is registered, the account name is corrected and the mourning ability is estimated and the corresponding account is registered. Register the number as a correction candidate. Furthermore, an account number in which each digit number is different by one character may be registered as a correction candidate. By registering a plurality of such correction candidates, it is possible to further improve the accuracy of automatic processing (automatic deposit processing) of a request / response message described later.

  Next, processing steps for the inquiry message in FIG. 9 will be described. This process is mainly executed by the inquiry message processing unit 28 (FIG. 7).

  First, when the communication message transmission / reception unit 29 receives an inquiry message from the destination organization 2 (step S20), the transfer impossible reason determination unit is activated to extract the character string of the inquiry reason determination information 24 from the inquiry message and transfer it. The reason for the impossibility is determined (steps S21 and S22). If the determined reason is one (n = 1 in step S23), it is determined that the reason is the reason why the transfer cannot be made as it is (step S24).

  If there are two reasons determined (n = 2 in step S23), it is determined whether the reason includes “no corresponding account” (step S25). To determine the reason for the inability to transfer (step S26). On the other hand, when there are three or more reasons for impossibility (n ≧ 3 in step S23) and when there are a plurality of reasons for impossibility of transfer other than “no corresponding account” (No in step S25), the transfer The impossibility reason determination unit 45 determines that the determination is impossible and shifts to processing by the operator. The same applies when the determination information cannot be extracted in step S21 (No in step S21).

  In the processing by the operator, first, the receipt form output unit 30 prints an inquiry message (step S27), and then the non-transfer reason reason receiving unit 46 generates a non-transfer reason input interface and displays it on the operator's terminal ( Step S29). In addition, the transfer impossibility reason accepting unit 46 acquires the transfer impossibility reason determined by the operator for the printed receipt slip through the input interface (step S30).

  In this way, when the reason why transfer is not possible is acquired for all inquiry messages, the transfer reason output unit 47 is activated to notify the customer 3 of the reason why transfer is not possible (step S31). Also, the response from the customer 3 (account name correction, restructuring request, etc.) is received by the correction information acquisition unit 48 and transferred to the request / reply message generation unit 49. The request / response message generation unit 49 combines the destination information included in the inquiry message with the correction information acquired from the customer, the transmission number, etc., generates a request / response message, passes it to the communication message transmission / reception unit 29, and sends it to the destination. The data is transmitted to the engine 2 (Step S33).

  Next, the processing steps for the request / response message will be described with reference to FIG. This process is mainly executed by the request / answer message processing unit 27.

  First, when the communication message transmission / reception unit 29 receives a request / response message from the destination organization 4 (step S34), payment processing is performed based on whether the deposit processing necessity determination unit 42 has extracted a predetermined character string from the message. Is determined (step S35). As the predetermined character string, the inquiry necessity determination information 22 registered in the determination information table 19 can be used. When a predetermined character string such as “Kumimodoshi” is extracted from the request / response message, the receipt processing necessity determination unit 42 determines that automatic deposit processing is impossible, and prints the receipt slip on the receipt slip output unit 30. An instruction is given (step S36). An operator performs individual processing based on the printed reception slip.

  If it is determined that the deposit process is required (Yes in step S35), the deposit acceptance / rejection determination unit 35 of the destination message processing unit 26 is activated, and the account number / transfer amount and the corrected account name are determined from the request / response message. Is extracted to determine whether or not payment is possible (steps S37 to S39). At this time, the correction candidate extraction unit 43 extracts the correction candidate 20 from the message information storage unit 18 based on the transmission number of the message, and transfers it to the depositability determination unit 35 (step S38). If it is determined that the deposit process is possible (Yes in step S39), the process proceeds to an automatic deposit process. Here, since the responses included in the request / reply message have a variety of description formats more than the intended message, it may be difficult to reliably extract desired information such as an account number corrected from this message. is expected. Therefore, even if it is determined that the deposit process is possible, the automatic deposit process may not be executed immediately, but the reception slip displaying “automatic deposit process is possible” may be printed and the operator confirms it individually. An example of the reception slip in this case is shown in FIG.

  If it is determined in step S39 that the deposit process is not possible, the reception slip is printed in step S36 and the process proceeds to individual processing by the operator. When a plurality of correction candidates 25 are registered in the message information storage unit 18, the processes of steps S38 and S39 are repeatedly executed until it is determined that the deposit process is possible. In this case, a plurality of correction candidates 25 are registered in association with the inquiry reason (such as “difference in name” or “no corresponding account”), and one or more based on the inquiry reason determined by the inquiry reason determination unit 41. The correction candidates may be extracted. Thereby, even when the correction candidate 25 is registered for each of various correction patterns, it is not necessary to match the information of the request / response message with all the correction candidates, and it is possible to quickly determine whether or not the deposit process is possible. . Accordingly, it is possible to simultaneously improve the accuracy of the automatic deposit process and the high speed process.

  Here, the reception slip output in the above embodiment will be briefly described with reference to FIGS. 11 and 12.

  First, FIG. 11 is an example of the received electronic receipt received in step S15 of FIG. 8, and is output when a character string that is determined not to be inquired is extracted from the intended electronic message. A portion indicated by a broken line in the figure is a free-form column 50, in which a character string 51 of “Nyukin Funou” is described. When such a character string is extracted, as described above, the account name and account number are not corrected, the inquiry message is not generated, etc. ”And“ automatic determination display ”fields 53, each of which has received“ name difference ”is automatically output and circulated to the operator.

  Next, FIG. 12 shows that when it is determined that “automatic processing is possible” in step S39 of FIG. 10, that is, automatic processing could not be performed with the destination message, but automatic transfer processing can be performed based on correction information from the destination organization. This is an example of a reception / request message reception slip. In this example, as shown in the column 54 of “supplementary information (recipient)” and the column 55 of “original telegram reception date original telegram account number”, the initial transfer destination is “account name: (f)”. As shown in the “Recipient Name” field 56 of this request / response message, the account number remains unchanged and the account name is “(f)”. "Real Madrid" is instructed to correct. Such a correction request character string is extracted regardless of where it is written in the free-form column 50 and processed in the same manner. Further, in this example, when the inquiry message is transmitted, the correction candidate 20 in which “Ca. Real Madrid” is retrieved from the customer information master file 6 as the account name corresponding to the original message account number is “corrected account number”. It is displayed in the column 57 of “corrected account name”. Thereby, it is possible to provide useful information when the operator visually verifies the result of the payment / non-payment determination unit 35 matching the request / response message information with the correction candidate 20 and determining that the payment is possible.

  In addition, this invention is not limited to said embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  For example, in the above-described embodiment, the transfer process has been described as an example. However, the present invention can also be applied to the processing of other communication telegrams transmitted and received during a transfer transaction. In addition, when the identification information and the error correction pattern corresponding to the type of communication message are registered in the message information storage unit 18 and the processing instructed by the received communication message cannot be executed, the inquiry is required based on the determination information. It is preferable to determine whether or not.

  Further, both the destination organization 4 and the destination organization 2 may be a net bank (specialized / concurrent) that can directly accept a transfer request from the customer 3 on the WEB. In this case, the function of the system 1 can be used when accepting a transfer to an account within the bank. For example, when the account number and / or account name input from the communication terminal of the customer 3 is incorrect, information corrected by applying the account name / number error correction pattern 23 is returned to the communication terminal of the customer 3. be able to. In addition, a message such as “there is no corresponding account” is output, and the correction candidate registration unit 40 registers the correction candidates searched by the account number from the master file 6, and uses the correction candidates to make the customer 3 Matching with information re-input from can be executed instantly.

  In addition, when the destination organization 4 accepts the transfer by net banking, the inquiry message from the destination organization 2 can be sent to the customer 3 all information inquiry / reply to the customer 3 for efficient processing of the inquiry message. And you can do it instantly. In addition, in the case of net banking, there is no cash transfer, and all transfers are from the bank's own account, so there is no need to specify a customer account when reassembling when transfer is impossible, making refund processing efficient and instantaneous Will be able to do it.

The figure which shows the outline | summary of the message | telegram process which concerns on embodiment of this invention. The block diagram which shows the structure of a message | telegram processing apparatus. The figure which shows an example of the typographical correction pattern of the account name. The figure which shows an example of the inquiry reason determination information. The block diagram which shows the structure of a to-be-received message process part. The block diagram which shows the structure of a request and reply message | telegram processing part. The block diagram which shows the structure of an inquiry message | telegram processing part. The flowchart which shows the process of a destination message. The flowchart which shows the process of an inquiry message | telegram. The flowchart which shows the process process of a request / answer message. The figure which shows the example of the receipt slip of the output message for destination. The figure which shows the example of the receipt tag of the output request / answer message.

Explanation of symbols

1 ... Message processing system 2 ... Bank (destination organization)
3 ... Customer 4 ... Bank (destination organization)
DESCRIPTION OF SYMBOLS 5 ... Communication terminal 6 ... Customer information master file 7 ... Account system 8 ... FE server 15 ... Data storage part 16 ... Program storage part 18 ... Message information storage part 19 ... Judgment information table 20 ... Correction candidate 21 ... Transmission number 22 ... Reference necessity determination information 23 ... Account name / number error correction pattern 24 ... Reference reason determination information 25 ... Main program 26 ... Destination message processing unit 27 ... Request / answer message processing unit 28 ... Inquiry message processing unit 29 ... Communication message transmission / reception Unit 30 ... Receiving slip output unit 31 ... Payment / withdrawal processing unit 35 ... Payment acceptability determination unit 36 ... Reference necessity determination unit 37 ... Account name / number correction processing unit 38 ... Transfer impossible reason determination unit 39 ... Inquiry message generation unit 40 ... Correction candidate registration unit 41 ... inquiry reason determination unit 42 ... deposit processing necessity determination unit 43 ... correction candidate extraction unit 45 ... transfer impossible reason determination unit 46 ... transfer impossible Derived accepting portion 47 ... transfer impossible reasons output unit 48 ... correction information acquisition unit 49 ... Request and Response message generating unit 50 ... freeform column 51 ... string (query necessity judgment information)
52 ... "Supplementary information (automatic processing result)" field 53 ... "Automatic judgment display" field 54 ... "Supplemental information (recipient)" field 55 ... "Original message received date Original message account number" field 56 ... "Recipient name" field 57 ... "Adjusted account number Corrected account name" field

Claims (12)

In a method of processing by a computer system a destination message including information on the name of an account and an account number of a transfer destination received from the other financial institution when requesting the transfer of funds from another financial institution to a specific account of the financial institution. There,
The computer system determines whether or not transfer processing is possible by matching information on the account name and account number of the transfer destination included in the destination message with information on a master file in which the account name and account number information is stored in advance. A transfer acceptability determination step;
When the computer system determines that the transfer is impossible in the transfer permission / inhibition determination, the account name and / or the account with respect to the other financial institution is determined based on whether predetermined discrimination information is extracted from the destination message. An inquiry message output necessity determination step for determining whether an inquiry message output for inquiring whether the number is correct;
Account name / account number correction step of correcting the account name and / or account number included in the destination message according to a predetermined correction pattern when the computer system determines that the transfer is impossible in the transfer permission / inhibition determination;
If the computer system matches the corrected account name / account number account name and account number information with the pre-stored master file information to determine whether transfer processing is possible again, transfer is made when it is determined that transfer is impossible The process of determining the reason for non-transfer and outputting the reason for impossible,
Query said computer system, to be output when the discriminated by the query message output necessity determination step and the output requirements of the query message, the other financial institutions to generate a query message including the transfer non ability determination reason A message output process;
The computer system includes a depositing step of executing a transfer process when it is determined that the transfer is possible in the transfer permission determination step or the account name / account number correction step . The method of claim 1, comprising:
The inquiry message output necessity determination step determines whether or not an inquiry message output is necessary based on whether or not predetermined determination information preset for each financial institution is extracted. The method of claim 2, comprising:
In the inquiry message output necessity determination step, the determination information registered for the other financial institution is searched from a determination information table in which predetermined determination information for each of a plurality of financial institutions is stored in advance. A method for determining whether or not an inquiry message needs to be output based on whether the message is extracted from the destination message. The method of claim 1, comprising:
Further, when the inquiry message output necessity determination step determines that the inquiry message output is not required, the receipt message output step for outputting the received message reception sheet displaying the reason for determining that the transfer is impossible is provided. And how to. The method of claim 1 , comprising:
In the account name / account number correcting step, the account number is corrected by deleting the first n digits of the account number when the account number included in the destination message exceeds a predetermined number of digits. A method characterized by comprising a correction step. The method of claim 1 , comprising:
In the account name / account number correction step, the account name included in the destination message is different from the account name registered in the master file for the account number included in the destination message. An account name correcting step of correcting an account name included in accordance with a predetermined account name error correction pattern. The method of claims 5 and 6, comprising:
In the account name correction step, the account name included in the destination message is different from the account name registered in the master file for the account number whose digit number has been corrected in the account number correction step. A method of correcting an account name related to a message according to a predetermined account name error correction pattern. The method of claim 1, comprising:
The account name / account number correction step is to execute account name and / or account number correction multiple times according to different correction patterns,
The transfer permission / inhibition determination step determines whether transfer processing is possible or not based on the corrected account name and account number every time the account name and / or account number is corrected. . The method of claim 1, comprising:
Further, when a response message including the corrected account name and / or account number is received from another financial institution that has output the inquiry message, information on the account name and account number included in the response message is extracted. With account name / account number extraction process,
The said transfer possibility determination process determines the propriety of a transfer process based on the information extracted from the said reply message. The method characterized by the above-mentioned. The method of claim 9 , comprising:
Further, when it is determined that the inquiry message output is required in the inquiry message output necessity determination step, the master file is searched for the account number included in the destination message, and the account name information corresponding to the account number is obtained. A correction candidate registration step of registering as a correction candidate in the correction candidate table;
In the transfer permission / inhibition determination step, the account name and account number information extracted in the account name / account number extraction step are matched with the correction candidates registered in the correction candidate table to determine whether transfer processing is possible. A method characterized by that. The method of claim 1, comprising:
Furthermore, based on the identification information of another financial institution included in the destination message or the information of the branch name, the step of determining whether this financial institution has accepted a transfer request from the customer by net banking,
The inquiry message output necessity determination step includes a step of specifying the predetermined determination information to be extracted based on whether another financial institution has accepted a transfer request from a customer by net banking. A destination message that is provided on the financial institution's server and contains information on the account name and account number of the transfer destination received from the other financial institution when requesting the transfer of funds from the other financial institution to the specific account of the financial institution A message processing system for processing
Transfer acceptability judging means for matching the account name and account number information of the transfer destination included in the destination message with the information of the master file in which the account name and account number information is stored in advance, and judging whether or not the transfer process is possible ,
If it is determined that the transfer is impossible in the transfer permission / inhibition determination, whether the account name and / or the account number is correct for the other financial institution is determined based on whether predetermined determination information is extracted from the destination message. An inquiry message output necessity determination means for determining whether an inquiry message output for inquiry is necessary;
Account name / account number correcting means for correcting the account name and / or the account number included in the destination message in accordance with a predetermined correction pattern when it is determined that the transfer is impossible in the transfer permission / inhibition determination;
Account name / account number after correction Account name and account number information is matched with the information in the master file stored in advance to determine whether transfer processing is possible again. Means for determining the reason for non-transfer,
If it is determined that output main query message with said query message output necessity determination means, a query message output means for outputting to said other financial institutions to generate a query message including the transfer non ability determination reason,
A telegram processing system comprising: a depositing unit that executes a transfer process when it is determined that the transfer is possible by the transfer allowance determining unit or the account holder / account number correcting unit .

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