KR19990076059A - Communication method and device between operator terminal and responsible terminal of financial institution - Google Patents

Abstract

The present invention relates to a communication method and apparatus between an operator terminal and a responsible terminal of a financial institution, and the responsible person is currently using the terminal of the responsible person when approval of the responsible person is required for a specific transaction during the performance of the tellers of the financial institution. Through this process, the approval process is executed for the transaction for which approval is requested, and the load on the host is reduced when two transactions occur for one transaction.

The present invention as described above is a transaction determination process for determining the type of transaction requested from the operator terminal; A transaction process of transmitting to the host when the determined transaction is a general transaction and transmitting to the responsible terminal if the transaction requires the approval of the responsible person; And a responsible transaction approval process for transmitting the transaction approval result to the operator terminal as the transaction approval result is input by the responsible person in the responsible terminal.

Description

Method and apparatus for communication of teller terminal and responsible terminal in banking system

The present invention relates to a computer system of a financial institution, and more particularly, if a person in charge needs to approve a specific transaction during the performance of the tellers of a financial institution, the person in charge is authorized through his terminal. The present invention relates to a communication method and an apparatus between an operator terminal and a manager terminal of a financial institution that perform an approval process for a requested transaction and reduce a load of a host when two transactions occur in a single transaction. .

Generally, the financial computer network serves as a branch server of a financial institution, as shown in FIG. 1, and hosts 20 and various financial devices (cash machines, cash registers, bank organizers, counter clerk terminals, officer terminals, etc.) (30). It is composed of a branch processor (BP) 10 for converting the connection and protocol between the (40).

Here, the financial device connected to the branch processor 10 includes a ring scheme 30 and a TCP / IP (LAN) scheme 40, where the ring scheme 30 is The branch processor 10 is connected to the modems 31 and 32, and a counter clerk terminal 34, an automated teller machine / cash machine or bankbook organizer 35, and an officer terminal 36 are connected to the ring. .

The ring-type network connected as described above has the biggest advantage in maintaining security because it is closed, but it is very difficult to add or change various financial devices.

On the other hand, a branch processor 10 serving as a server via a LAN and a router 41 and 42 for inputting / outputting data through a TCP / IP protocol and a window connected to the router 42 It consists of a cashier terminal 44, an automatic cashier / cash machine or bankbook organizer 45, an officer terminal 46, and the like.

In the conventional financial network configured as described above, financial devices such as the cashier's terminal 44, the automatic teller machine, or the bankbook organizer 45 are connected to the branch processor 10, which is a server, using respective communication programs. In this case, when a program for access processing of each financial device is executed in the branch processor 10 which is a server, the financial devices may be connected to know the IP address of the branch processor 10 only.

What is required for the financial instrument to connect to the branch processor 10, which is a server, in a TCP / IP environment is a communication program for connection, an IP address of the server, a connection TCP port of the server, and the like.

In general, since a connection TCP port is defined within a communication program, a financial device capable of executing the communication program can be connected only by knowing the IP address of the server.

By the computer network system of such a financial institution, the information is exchanged between each operator terminal and the person in charge in the same manner as in FIG.

That is, as illustrated in FIG. 2, the terminal 34 manipulates the banker's financial information and deposit and withdrawal of the customer, and transmits data input and output from the terminal 34 to the host 20. Alternatively, the branch processor 10 may transmit the information transmitted from the host 20 to the corresponding terminal 34.

In order to approve the transaction approval of the responsible person using the computer system according to the prior art configured as described above, the bank clerk operates the terminal 34 to input / output the financial information or the deposit of the customer.

In particular, in the case of a task requiring approval of the person in charge, when the corresponding request data is input to the terminal 34, the branch processor 10 receives the request data and transmits the request data to the host 20.

The host 20 receives it, sends it back to the terminal, and then calls the person in charge so that the person in charge can approve the transaction.

The responsible person enters his or her card or password through his terminal 36, 46 to approve the transaction. The payment of the person in charge is transmitted to the host 20 through the branch processor 10 again, and the host 20 transmits the information on the establishment of the transaction to the terminal 34 requesting the transaction approval through the branch processor 10. To complete the transaction.

However, the transaction approval payment method by the responsible person using the computer system of the financial institution according to the prior art is inconvenient because the transaction is sequentially performed through the branch processor and the host when a bank clerk requests the approval of the responsible person in any terminal. In addition, since the host and the branch processor must be through, there is a problem that the host is overloaded and the procedure is complicated and the processing speed is reduced.

Therefore, the present invention is to improve the problems of the prior art described above, if the responsible person's approval is required for a specific transaction during the performance of the bank clerks of the financial institution, the responsible person in the transaction that is requested for approval through his terminal currently in use. It is an object of the present invention to provide a communication method and apparatus between an operator terminal and a responsible terminal of a financial institution to perform an approval process.

It is another object of the present invention to detect a transaction requiring a director's approval from the transaction data requested by the operator's terminal in the branch processor, transmit it to the officer's terminal, obtain the approval, and then transmit the transaction to the operator's terminal through the host. It is to reduce the load on the host when two transactions occur.

1 is a schematic configuration diagram of a computer network system of a general financial institution,

2 is a flow chart of a responsible person approval transaction process through a host of financial institutions according to the prior art,

3 is a block diagram of a communication device between an operator terminal and a person in charge of a financial institution for implementing the present invention,

4 is an operational flowchart of a communication process between an operator terminal and an officer terminal of a financial institution according to the present invention;

5 is a functional flowchart of a communication process between an operator terminal and an officer terminal of a financial institution according to the present invention;

6 is an operation flowchart of a transaction interface unit in FIG. 3;

7 is a flowchart illustrating an operation of the officer transaction control module of FIG. 3.

<Description of Symbols for Main Parts of Drawings>

110: operator terminal 120: officer terminal

131: terminal transaction control module 132: transaction interface unit

133: responsible transaction control module 134: data link control module

140: host

In order to achieve the object of the present invention, a communication method between an operator terminal and a person in charge of a financial institution includes a transaction determination process of determining a type of a transaction requested from an operator terminal; A transaction process of transmitting to the host if the determined transaction is a general transaction, and transmitting to the responsible terminal if the transaction requires the approval of the responsible person; And a responsible person transaction approval process for transmitting the transaction approval result to the operator terminal as the transaction approval result is input by the corresponding person in the responsible person terminal.

Preferably, the responsible person transaction approval process is a step of access processing to the terminal when the terminal access request as a result of reading the data transmitted from the responsible terminal; Determining whether the responsible person approves the transaction data as a result of reading the data transmitted from the responsible terminal; Transmitting the approval result to a corresponding operator terminal through a host when the determination result is approval data of the person in charge; And transmitting the result of disallowing approval to the operator terminal when the person in charge determines that the result of the determination is not approved.

In order to achieve the object of the present invention, a communication device between an operator terminal and an officer terminal of a financial institution reads out the type of transaction of information sent from the operator terminal and sends it to the corresponding channel and sends the information sent from the officer terminal to the host. Transaction connection means; And a responsible transaction control means for transmitting the information input from the transaction connecting means to the responsible terminal, reading the information transmitted from the responsible terminal, and selectively outputting the information to the transaction connecting means or the operator terminal according to the approval of the responsible person. It is characterized by including.

Preferably, the transaction connection means is characterized in that when the data transmitted from the operator terminal is a transaction requesting the approval of the responsible person is transmitted to the corresponding responsible terminal through the responsible transaction control means, and in the case of a general transaction to the host.

The responsible person transaction control means reads the information transmitted from the responsible person terminal and transmits it to the host through the transaction connection means when the responsible person approves it, and as a result of reading the information transmitted from the responsible person terminal, the approval of the responsible person is impossible. In this case, the contents are transmitted to the operator terminal.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

A terminal transaction control module (ETCP: End-to-End Transaction Control Program (ETCP) 131 for controlling the input / output of a transaction driven by the operator terminal 110 and an operator terminal transmitted through the terminal transaction control module 131. The transaction interface unit (RT) that reads the information from the 110 and transmits the information according to the type of transaction requested by the operator terminal 110 and transmits the information transmitted from the responsible terminal 120 to the host 140. / IF: RTCP Interface 132 and the transaction approval request data with the person in charge transmitted through the transaction interface unit 132 to the person in charge of the terminal 120, the transaction interface unit 132 according to whether the person in charge of the transaction approval Or a responsible transaction control module (RTCP: Responsible Transaction Control Program (RTCP) 133 to selectively output to the terminal transaction control module 131, and the responsible person output through the transaction interface unit 132. Data link control module for transmitting the information and information from the operator terminal 110 to the host 140, and transmits the information transmitted from the host 140 to the operator terminal 110 through the terminal transaction control module 131 (HTCP: HDLC (Highlevel Data Link Control) Transaction Control Program) 134.

Here, the responsible person transaction control module 133 and the responsible person terminal 120 is connected to the TCP / IP and the socket (Socket) used at that time.

The operation of the present invention configured as described above will be described in more detail with reference to FIGS. 3 to 7.

First, in the present invention, when a bank clerk makes a transaction in a financial institution, the operator inputs his / her own terminal 110 and the inputted information is transmitted to the terminal 120 or the host 140 as necessary.

That is, as shown in FIG. 3, when the bank clerk makes a transaction, data input through his operator terminal 110 is input to the transaction interface unit 132 through the terminal transaction control module 131. The transaction interface unit 132 reads the input data to determine whether the transaction requires the approval of the person in charge.

4 is an operational flowchart for approving a transaction between the operator terminal 110 and the person in charge terminal 120 according to the present invention, Figure 5 is a transaction approval between the operator terminal 110 and the person in charge terminal 120 according to the present invention. 6 is a functional flowchart for the present invention, and FIG. 6 is an operation flowchart of the transaction interface unit 132 according to the present invention. As shown in the drawing, when the transaction interface unit 132 reads the data transmitted from the operator terminal 110 and determines that the transaction requires the approval of the responsible person, the corresponding data is transferred through the responsible transaction control module 133. It is transmitted to the person in charge of the terminal 140, if it is determined that the general transaction is transmitted to the host 140 through the data link control module 134.

Here, a transaction that requires the approval of the responsible person should be approved by the responsible person if it is judged to be a transaction that exceeds the authority of the bank employee, such as an important transaction or a large amount of money in the bank.

As described above, in the case of a transaction requiring the approval of the responsible person, the responsible person transaction control module 133 received through the transaction interface unit 132 is transmitted to the corresponding person terminal 120 through the TCP / IP network and displayed on the screen.

The responsible person is input through the responsible person terminal 120 after determining the approval. The input data is sent to the corresponding path according to whether the person in charge of the transaction control module 133 approves the transaction.

That is, referring to the control flow chart of the officer transaction control module 133 as shown in Figure 7 will be described in more detail as follows.

The responsible person transaction control module 133 reads the data transmitted from the responsible person terminal 120, and when the transaction is approved, the responsible person transaction control module 133 is transmitted to the host 140 through the transaction interface unit 132 and the data link control module 134. . The transaction approval data transmitted to the host 140 is again transmitted to the corresponding terminal 110 through the data link control module 134 and the terminal transaction control module 131.

If the responsible transaction control module 133 reads the data input from the responsible terminal 133 and determines that the data is not approved, it is transmitted to the corresponding operator terminal 110. That is, first, the response signal rsp is transmitted to the operator terminal 110 through the terminal transaction control module 131, and then the operator terminal through the terminal transaction control module 131 transmits the non-approval information such as pending or communication failure. To 110.

As described above, in the present invention, when bank employees of a financial institution request the approval of the responsible person for a specific transaction during the performance of the business, the branch processor does not detect and transmit the information to the host, but transmits the information to the responsible person's terminal to obtain the approval. If it is determined that the person in charge cannot be approved through the host, it detects it and sends it to the operator's terminal instead of transmitting it to the operator's terminal. Thus, two transactions are executed for one transaction at the host. There is an effect that can reduce the load of the host as it occurs, accordingly there is an effect that can perform the effective approval work in the responsible terminal when the responsible person performs the approval transaction.

Claims (7)

A transaction determination process of determining the type of transaction requested from the operator terminal; A transaction process of transmitting to the host if the determined transaction is a general transaction, and transmitting to the responsible terminal if the transaction requires the approval of the responsible person; And And a responsible person transaction approval process for transmitting the transaction approval result to the operator terminal as the transaction approval result is input by the corresponding person in the responsible person terminal. The method of claim 1, wherein the responsible person transaction approval process comprises: accessing a corresponding terminal when the terminal access request is a result of reading data transmitted from the responsible terminal; Determining whether the responsible person approves the transaction data as a result of reading the data transmitted from the responsible terminal; Transmitting the approval result to a corresponding operator terminal through a host when the determination result is approval data of the person in charge; And transmitting the non-approval result to the operator terminal when the person in charge determines that the person in charge of the result of the determination is disapproval. The communication method according to claim 1, wherein the non-approval information transmission of the responsible person is transmitted to a specific terminal, including the content of the unauthorized approval and the reason thereof. The communication method according to claim 1, wherein the unauthorized information transmission of the responsible person transmits the unauthorized content after transmitting the response signal for the transaction. Transaction connection means for reading out the type of the transaction of the information sent from the operator terminal and sending it to the corresponding path, and sending the information sent from the responsible terminal to the host; And And a responsible transaction control means for transmitting the information input from the transaction connection means to the responsible terminal, reading the information transmitted from the responsible terminal, and selectively outputting the information to the transaction connecting means or the operator terminal according to the approval of the responsible person. Communication device between the operator terminal and the person in charge of the financial institution characterized in that. The method of claim 5, wherein the transaction connection means transmits the data transmitted from the operator's terminal to the responsible person's terminal through the responsible person's transaction control means and transmits the data to the host if the transaction is a request for approval of the responsible person. A communication device between an operator terminal and a person in charge of a financial institution. The method of claim 5, wherein the responsible transaction control means reads the information transmitted from the responsible terminal and transmits it to the host through the transaction connection means when the responsible person approves, and reads the information transmitted from the responsible terminal. Communication device between the operator terminal and the person in charge of the financial institution, characterized in that the transfer of the contents to the operator terminal if the approval of the person in charge.