JP2003296566A - Postdated processing method, program and device for exchange transfer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an exchange transfer system effectively equalized so that document processing from a bank office is not concentrated on a predetermined date in exchange transfer processing of a financial institution even when postdated transfer is made. <P>SOLUTION: This postdated processing method for the exchange transfer system constituted by a bank office 1, a centralized center 2 and a host computer 3 is constituted by a step for transmitting data of a postdated document received and read at the bank office 1 to a server 5 of the centralized center 2, a step for receiving the returned data of the document from the server after executing of character recognition and confirmation processing of the document data sent by the transmitting step in the centralized center 2 and storing the returned data in a memory part, and a step for transmitting payment data to the host computer 3 along with the returned data stored by the storing step when payment from a customer is accepted. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention transmits the data of a transfer slip accepted by a sales office (branch) to a centralized center of the same financial institution in the processing of a currency exchange slip handled by a financial institution, and the centralized center stores the slip data. The present invention relates to a foreign exchange transfer future date processing method, program, and apparatus for performing character recognition, confirmation and correction, and transmitting the result to a host computer in synchronization with the receipt of funds.

[0002]

2. Description of the Related Art Transfer processing of a currency exchange slip of a financial institution includes the same-day processing that is processed on the day when a slip from a client is received, and, for example, a salary paid by a business owner of a company to an employee.
There is a future date processing that specifies the date and transfers. In this future date process, as a process between financial institutions, a transfer date is specified, and the transfer information is sent to the transfer destination financial institution on the day before the transfer specified date, and the transfer destination financial institution specifies it. The transfer process is performed to the account specified on the date, and the transfer of the funds between the financial institutions is performed after the actual funds are deposited.

That is, the processes between the client of the transfer and the financial institution requesting the transfer are the transfer process of the future date,
There is a time lag in the actual delivery of funds, which is another process. Hereinafter, the forward date processing of the currency exchange slip will be further described with reference to FIG. First, in the process of 1 slip processing, the client makes a transfer request date (established slip specified by the financial institution, or a slip originally created by the client using spreadsheet software etc.) Fill in the account number and transfer amount, and request the transfer to the requesting financial institution.

Next, in the process of deposit processing 2, the client pays the transfer money to the requesting financial institution on another day before the designated date. In response to this, the requesting financial institution transmits the transfer data to the requesting financial institution. The requested financial institution retains the received transfer data without actually transferring the transfer data until the specified transfer date. Furthermore, in the process of the fund transfer process of 3, the request-destination financial institution actually transfers the funds at the designated transfer date, and the transfer of the funds from the request-source financial institution to the request-destination financial institution is performed.

In this way, the forward date processing of the exchange transfer secures the funds from the requesting financial institution to the requesting financial institution by the designated transfer date, even if the requesting financial institution does not have the funds at the time of the request. If it is done, it is a mechanism that can make a transfer request in advance. Even if the requesting financial institution receives the transfer request form from the client, it does not process the slip until the client can secure the funds.

[0006]

However, the forward date processing of currency transfer has the following drawbacks. At the requesting financial institution, the transfer request form must be managed as a paper at the sales office until the deposit is made. Also, in the case of a business that has a characteristic that the transfer processing of exchanges is concentrated on a specific day, such as a salary transfer, if the funding is delayed, the concentration of slip processing will increase more and more, and as a system Will need to secure hardware and human resources in response to the concentrated days, resulting in poor efficiency and a large cost loss.

In order to solve these problems, the present invention provides a processing system for efficiently transferring the slip data to the host computer at the timing when the client's funds can be secured.

[0008]

A first invention is a future date processing method in a currency transfer system composed of a sales office, a centralized center and a host computer, which is a method for processing a future date slip received and read by a sales office. The slip data sending step of sending data to the server of the centralized center, and the slip data sent in the slip data sending step is subjected to character recognition and confirmation processing by the centralized center, and then returned data of the slip from the server. The receipt data storing step of receiving the receipt data and storing it in the storage unit, and the receipt data transmitting the receipt data to the host computer together with the return data stored in the return data storing step at the time of receiving the deposit from the requester. And a forward step of a foreign exchange transfer.

That is, according to the method of the present invention, the computer of the sales office reads the received future date slip with the slip reader, converts it into image data, and transmits it to the server of the centralized center. The information obtained by character recognition and confirmation correction is returned from the server as code data, the returned data is stored, and the host computer is linked with the timing when there is a deposit from the client. By sending the data, you can eliminate the complexity of storing slips at sales offices,
In addition, it is possible to reduce the inefficiency that slip processing is concentrated on a specific day.

A second aspect of the present invention is a future date processing program in an exchange transfer system composed of a business office, a centralized center and a host computer, wherein the data of the future date slip received and read by the business office is centralized in the computer. The slip data sending step to send to the server of the center and the slip data sent in the slip data sending step are subjected to character recognition and confirmation processing at the centralized center, and then receive the return data of the slip from the server to be returned. A return data storage step of storing in the storage unit, and a payment data transmission step of transmitting the payment data to the host computer together with the return data stored in the return data storage step at the time of receiving the payment from the requester. It relates to a foreign exchange transfer future date processing program for executing.

That is, according to the processing program of the present invention, the computer of the sales office transmits the data of the future date slip, which has been imaged by the slip reader, to the server,
Applying a program that receives slip data that has been subjected to character recognition and confirmation and correction as code data, stores it, and sends the data to the host computer at the timing of receipt of deposit data from the client. Can eliminate the complexity of storing slips at sales offices, and
It is possible to realize processing that reduces the inefficiency that slip processing is concentrated on a specific day.

A third aspect of the present invention is a future date processing device in a money transfer system composed of a business office, a centralized center and a host computer, wherein the data of the future dated slip received and read by the business office is stored in a server of the centralized center. And the slip data sent by the slip data sending means are subjected to character recognition and confirmation processing at the centralized center, and then return data of the slip is received from the server and returned to the storage unit. And a deposit data transmitting unit for transmitting the deposit data to the host computer together with the return data stored in the return data storing unit when the deposit is received from the client. The present invention relates to a foreign exchange transfer future date processing device.

That is, according to the apparatus of the present invention, the computer of the sales office reads the received destination date slip by the slip data transmission means with the slip reader, converts it into image data, transmits it to the server of the centralized center, and stores the returned data. By means of means, the slip data is received from the server of the centralized center in the form of code data, the information obtained by the character recognition and confirmation correction is received, and the returned data is stored. By sending the data to the host computer at the right time, the complexity of storing the slips at the sales office can be eliminated, and the inefficiency of concentrated slip processing on a specific day can be reduced. You can

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. First, the basic system configuration of the present invention is shown in FIG. Sales office 1, provided by the requesting financial institution,
Centralized center 2 and host computer 3 are LAN
It is connected by a line such as (local area network). The sales office 1 is composed of a transfer processing device 4 equipped with a slip reader 6 for processing slip transfers, and the centralized center 2 is a server 5 for character recognition of slip data, a database 7, and an operator terminal for confirmation and correction. Have eight.

Further, the transfer processing device 4 of the sales office 1 reads the requester's slip with the slip reader 41,
The slip data transmitting means 42 for transmitting the read image data of the slip to the server 5 of the centralized center 2, the sent slip data is character-recognized by the server 5, and the data returned as coded transfer data is received, It has return data storage means 43 to be stored in the storage unit and deposit data transmission means 44 to transmit deposit data from the requester. Further, the server 5 of the centralized center 2 receives the slip data from the branch office 1 and receives the slip data 5
1. After confirming and correcting at the operator terminal 8 the character recognition means 52 for analyzing the image data of the slip and performing character recognition, and the transfer data of the slip in which the recognized result is coded,
Data transmission means 53 for transmitting to the sales office 1. The requesting financial institution transmits / receives information regarding the transfer of funds to the requesting financial institution via the network 9.

FIG. 2 shows an example of a transfer slip format. There are enacted slips designated by a financial institution and slips brought in by the client as slips for requesting transfer, and the contents of the slips include a slip number indicating the slip ID, a transfer person,
The designated transfer date, issue date, etc. are recorded, and the table shows the item number, transfer destination financial institution, branch name, subject, account number, payee, transfer amount, subtotal, etc.

FIG. 3 shows transmission information of the slip data for sending the slip shown in FIG. 2 attached to the image data read by the slip reader 6 at the sales office. Here, the transfer request information from the client is received, the branch office, the branch code, the slip number, the deposit information as to whether or not the funds are secured, the reception time, etc. are written. 4 is accepted by the slip data acceptance means 51 of the server 5 of the centralized center 2,
Coded transfer data is shown as a result of the character recognition unit 52 character-recognizing the image data of the slip from the transfer processing device 4 of the sales office 1. This data consists of slip number, client, designated date of transfer, item number, transfer destination financial institution, branch name, type (number of ordinary account, general account, etc.), account number, amount of transfer, recipient, etc. To be done. In the processing after the character recognition processing in the server 5, that is, the confirmation correction processing in the operator terminal 8 and the transfer processing apparatus 4 from the server 5
Data return processing to the host computer 3, transmission to the host computer 3, etc.
The process is executed using this transfer data.

FIG. 5 shows a status management table showing the status of slip data processing in the server 5 as a management item inside the financial institution. Items such as operator check, return to a sales office, payment status, transmission to a host, etc. are described as completed or not. Next, the method of the future date processing of the foreign currency transfer according to the present invention will be described below with reference to the flowchart.

FIG. 6 shows a flow chart of the slip processing in the transfer processing device 4 of the sales office 1. In step S1,
A future date slip is accepted from the client, and the slip reading means 41 reads the slip by the slip reader 6 in step S2. In step S3, the slip data transmitting unit 42 transmits the slip data converted into image data to the server 5 of the centralized center 2 together with the transmission information of the slip data including the deposit information regarding the client's funds.

FIG. 7 shows a flow chart of character recognition processing of slip data in the server 5 of the centralized center 2. In step S11, the slip data receiving means receives the slip data from the sales office 1, and in step S12, it is determined whether or not the received slip is an established slip designated by the financial institution. , Skip to step S14 and proceed to analysis of the title. Then, from the character recognition of the title by the character recognition means 52, the image information such as the transfer destination, the account number, and the amount of money is converted into code data, and the recognition result is created as the transfer data of the slip as shown in FIG. Step S15
Then, the created transfer data is stored in the database 7 together with the slip data. Further, in the judgment of step S12, if it is not the established slip but the slip created by the client, structural analysis of the table such as the slip size and ruled line is performed,
Perform format recognition. After that, the same steps as those for the established slip are executed.

FIG. 8 shows the operator terminal 8 of the centralized center 2.
7 is a flowchart of confirmation correction processing for the character recognition result in FIG. First, in step S21, the slip data and the transfer data are retrieved from the database 7 of the server 5 and collated, and in step S22, a confirmation correction process is performed on the transfer data created in the character recognition process. In step S23, it is determined whether funds have been secured for the slip, and if payment has been made, the data is transmitted to the host computer as it is, and the status of the slip is transmitted and the database is updated. If the deposit has not been made, in step S24, the status of the slip is put on standby for return to the sales office 1, and the confirmed and corrected data is updated and returned to the database 7 of the server 5.

FIG. 9 shows a flow chart of the return processing of the slip data to the sales office 1 in the server 5 of the centralized center 2. In step S31, the data waiting to be returned to the sales office 1, that is, the content of the transfer data itself has been confirmed, but the funds for the transfer have not yet been deposited, and the payment from the client at the sales office 1 If the data requires confirmation processing, the data transmission means 53 performs step S3.
2, the server 5 in the centralized center 2 recognizes characters,
It is returned to the transfer processing device 4 as transfer data confirmed and corrected by the operator terminal 8. Then, in step S33, the status of the slip of the server 5 is updated to returned.

FIG. 10 shows a flow chart of deposit processing in the transfer processing device 4 of the sales office 1. Step S41
Then, the return data storage means 43 is the server 5 of the centralized center 2.
The return data for which funds have not been secured is received from step S42.
Then, the return data storage means 43 stores the returned data in the disk of the transfer processing device 4 as payment waiting data. Then, in step S43, when the funds are deposited, the deposit data transmitting means 44 transmits the deposit data together with the deposit data to the host computer 3. Further, in step S45, the deposit is not made, and
If the designated date has passed, an alarm is displayed in step S46.

(Supplementary Note 1) A forward date processing method in an exchange transfer system including a sales office, a centralized center and a host computer, in which data of a forwarded slip received and read by the sales office is transmitted to a server of the centralized center. After the slip data transmission step and the slip data sent in the slip data transmission step are subjected to character recognition and confirmation processing at the centralized center, the return data of the slip is received from the server and stored in the storage unit. And a receipt data transmission step of transmitting the receipt data to the host computer together with the return data stored in the return data storing step when the deposit is received from the client. The feature is the future date processing method for currency transfer.

(Supplementary Note 2) A forward date processing program in an exchange transfer system composed of a sales office, a centralized center, and a host computer, wherein the computer stores the data of the forwarded day slip received and read by the sales office in the centralized center. The slip data sending step to send to the server, and the slip data sent in the slip data sending step is character recognition and confirmation processing at the centralized center, and then the return data of the slip from the server is received and stored. A return data storing step for storing in the department, and a deposit data transmitting step for transmitting the deposit data to the host computer together with the return data stored in the return data storing step at the time of receiving the deposit from the requester. Exchange date processing program to be executed.

(Supplementary Note 3) A future date processing device in an exchange transfer system composed of a sales office, a centralized center, and a host computer, wherein the data of the forwarded slip received and read by the sales office is transmitted to the server of the centralized center. And the slip data sent by the slip data sending means are subjected to character recognition and confirmation processing at the centralized center, and then return data of the slip is received from the server and stored in the storage unit. Return data storage means,
When you receive the deposit from the client,
A deposit data transmitting means for transmitting to the host computer together with the return data stored in the return data storing means, a future date processing apparatus for currency transfer.

(Supplementary Note 4) A recording medium for recording a future date processing program in an exchange transfer system composed of a business office, a centralized center and a host computer, which is a recording medium of a future date slip received and read by the business office. The slip data sending step of sending data to the server of the centralized center, and the slip data sent in the slip data sending step is subjected to character recognition and confirmation processing by the centralized center, and then returned data of the slip from the server. The receipt data storing step of receiving the receipt data and storing it in the storage unit, and the receipt data transmitting the receipt data to the host computer together with the return data stored in the return data storing step at the time of receiving the deposit from the requester. The sending step and the future date processing program for the foreign currency transfer that executes A computer-readable recording medium.

(Supplementary Note 5) A future date processing method in an exchange transfer system composed of a sales office, a centralized center and a host computer, wherein image data of a future dated slip transmitted from the sales office is transmitted to a server of the centralized center. The slip data reception step for receiving, the character recognition step for character-recognizing the title item of the format for the slip data received in the slip data reception step to generate coded transfer data, and the character recognition step Data transfer step of transmitting the transfer data to the operator terminal, and transmitting the transfer data confirmed and corrected by the operator and returned to the transfer processing device of the sales office, the future date of the currency transfer. Transfer method.

[0029]

As described above, the information obtained by reading the received future-date slip with the slip reader, converting it into image data and transmitting it to the server of the centralized center, and performing character recognition and confirmation correction of the slip data at the centralized center. Is sent back from the server as code data, the returned data is stored, and the data is sent to the host computer in synchronization with the timing of payment from the client It is possible to eliminate the inconvenience of storing slips at the same time and to reduce the inefficiency that slip processing is concentrated on a specific day.

Further, since the data before securing funds can be processed in advance in the centralized center before being transmitted to the host computer, it is possible to equalize the amount of data for each day in the money transfer processing system.

[Brief description of drawings]

FIG. 1 is a diagram showing a basic system configuration of the present invention.

FIG. 2 is a diagram showing a format example of a transfer slip according to the embodiment of the present invention.

FIG. 3 is a diagram showing transmission information of slip data according to the embodiment of the present invention.

FIG. 4 is a diagram showing transfer data in which characters are recognized by the server according to the embodiment of the present invention.

FIG. 5 is a diagram showing a status management table of slip data processing by the server according to the embodiment of the present invention.

FIG. 6 is a diagram showing a flowchart of slip processing of a sales office in the embodiment of the present invention.

FIG. 7 is a diagram showing a flowchart of character recognition processing of the server in the embodiment of the present invention.

FIG. 8 is a diagram showing a flowchart of confirmation correction processing of an operator terminal according to the embodiment of the present invention.

FIG. 9 is a diagram showing a flowchart of slip data return processing in the server according to the embodiment of the present invention.

FIG. 10 is a diagram showing a flow chart of deposit processing of a business office in the embodiment of the present invention.

FIG. 11 is a diagram showing a configuration of a forward date process in conventional currency transfer.

[Explanation of symbols] 1 branch 2 centralized centers 3 Host computer 4 Transfer processing device 5 servers 6 slip reader 7 database 8 operator terminals 9 network 41 slip reading means 42 means for sending slip data 43 Return data storage means 44 Payment data transmission means 51 means for receiving slip data 52 Character recognition means 53 Data transmission means

Claims (3)

[Claims] 1. A future date processing method in a money transfer system comprising a sales office, a centralized center and a host computer, which is a slip for transmitting the data of the future dated slip received and read by the sales office to a server of the centralized center. Data transmission step, and after the slip data sent in the slip data transmission step is subjected to character recognition and confirmation processing at the centralized center, return data for the slip is received from the server and returned to the storage unit for return. A deposit data transmission step of transmitting the deposit data to the host computer together with the return data stored in the return data storage step when the deposit is received from the client. Future date processing method for foreign currency transfer. 2. A future date processing program in an exchange transfer system composed of a sales office, a centralized center and a host computer, wherein the computer stores the data of the forwarded day slip received and read by the sales office in a server of the centralized center. The slip data sending step for sending, and the slip data sent in the slip data sending step are subjected to character recognition and confirmation processing at the centralized center, and then the reply data for the slip is received from the server and returned to the storage unit. At the step of storing the returned data to be stored, and when the deposit is received from the client,
A deposit data transmitting step of transmitting to the host computer together with the return data stored in the return data storing step, and a future date processing program for currency transfer. 3. A future date processing device in an exchange transfer system comprising a sales office, a centralized center, and a host computer, which is a slip for transmitting the data of the future dated slip received and read by the sales office to the server of the centralized center. The data transmission means and the slip data sent by the slip data transmission means undergo character recognition and confirmation processing at the centralized center, and then receive return data of the slip from the server that is returned and store it in the storage unit. When the data storage means and the deposit from the client are received, the deposit data is
A deposit data transmitting means for transmitting to the host computer together with the return data stored in the return data storing means, a future date processing apparatus for currency transfer.