JP2007052802A - Centralized exchange processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a centralized exchange processing system capable of concentrically performing an exchange processing such as the totalization processing of slip data, fund transfer processing and fund transfer slip preparation processing in a center on the basis of slip data received from respective branches, thereby reducing the exchange processing which is performed in respective branches in a conventional method and improving the efficiency of the exchange processing. <P>SOLUTION: The centralized exchange processing system is provided with a file apparatus 8 for storing slip data received from respective branches and a processing terminal apparatus 13 for processing slip data stored in the file apparatus 8. The processing terminal apparatus 13 is provided with a card issue data preparation processing part 4 for preparing transfer card issue data, a fund transfer condition processing part 5 for setting a fund transfer condition, a totalization processing part 6 for totalizing slip data, and a fund transfer slip preparation processing part 7 for preparing a fund transfer slip for fund transfer. The transfer card issuing machine 14 is connected to the processing terminal apparatus 13. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a centralized exchange processing apparatus used in a system for centrally processing slip data (data such as a transfer slip) generated at each branch of a bank or other financial institution at the center. The present invention relates to an exchange concentration processing apparatus that concentrates exchange processing such as data aggregation processing, automatic transfer card issue processing, funds transfer processing, and funds transfer slip creation processing.

  Hereinafter, a conventional example will be described with reference to FIGS. In the following description, a transfer slip or the like is simply referred to as “slip”.

§1: Explanation of exchange processing ... see FIG. 15 FIG. 15 is an explanatory diagram of conventional exchange processing. Traditionally, banks and other financial institutions performed various exchange processing (payment transfer processing, various remittance processing, etc.). This exchange processing is performed by the following procedures (1) to (13) using a facsimile exchange processing system between each branch and center of a financial institution such as a bank.

  (1): First, the facsimile exchange processing system is activated at the center. By this processing, the facsimile exchange processing system is in a normal operation state.

  (2): When the facsimile exchange processing system is in a normal operating state, the center starts a slip collecting process by facsimile from each branch (hereinafter referred to as “FAX”).

  (3): After that, each branch starts a voucher receiving operation. Then, a slip (transfer slip) is received, and the received slip is sequentially faxed to the center.

  (4): While performing the voucher receiving operation, each branch issues a transfer card manually to the received voucher as necessary.

  (5): While performing the slip acceptance work at each branch, the center performs the slip concentrating process. During this time, the slips from each branch are sequentially received by FAX.

  (6): The center sequentially processes slips (slip image data) received from each branch by FAX (slip processing).

  (7): At the center, when the slip collection processing from each branch is completed, the slip data received from each branch is tabulated, and the tabulated data tabulated in the tabulation processing is faxed to each branch.

  (8): The branch office receives the aggregated data from the center by FAX.

  (9): At the branch office, funds transfer processing is performed based on the total data received by FAX, and a fund transfer slip for transferring funds is created.

  (10): At the branch, the funds transfer slip created in (9) is processed.

  (11): The branch transfers funds to the center when the processing of (10) is completed.

  (12): The center receives funds from the branch.

  (13): The center compares the funds received from the branch with the aggregated data, and checks for errors.

§2: Detailed description of processing: see FIG. 16 to FIG. 20 FIG. 16 is a conventional aggregate data example / fund transfer management ledger example, FIG. 17 is a conventional transfer example 1 / transfer example 2, and FIG. Posting Example 3 / Posting Example 4, FIG. 19 shows a conventional posting example 5, and FIG. 20 shows a conventional fund transfer slip example. Hereinafter, of the processes (1) to (13) described above, the processes from the total data reception (8) to the transfer of funds (11) will be described in detail with reference to FIGS.

(a): Explanation of Total Data Receiving Process Performed at the Branch (8) In the total data reception process (8) performed at the branch, the total data in the format shown in FIG. 16A is received by FAX. This aggregated data example is received data of the A1 branch, and includes items for item, designated transfer date, number of cases, and amount of money. In this case, the date that can be specified for the designated transfer date differs depending on the type of event, and in the case of flicking (transfer), only the current day is possible. Further, in the case of Sakifuri, dates from the next 1 (next day) to the next 3 (3 days from the next day) are possible. In the case of Kiyoyo (salary), dates from the next 2 to the next 3 are possible.

  (b): At the branch, on the day, it is manually checked whether or not the total content of the slip transmitted by FAX from the branch matches the content of the total data (a) transmitted by FAX from the center.

  (c): The branch office manually transcribes the total data received by the FAX into the fund transfer management ledger in the format shown in FIG. 16B. At the time of posting, posting is made so that the designated transfer date of the aggregated data is the same as the funds transfer date of the fund transfer management ledger. Examples of the fund transfer management ledger thus posted are shown in FIGS.

  17C is transcription example 1, FIG. 17D is transcription example 2, FIG. 18E is transcription example 3, FIG. 18F is transcription example 4, and FIG. 19G is transcription example 5. is there. In each of the posting examples, a is a field that has been transferred, b is a field that has been transferred by the previous day, and c is an unposted (blank) field (a field that is to be transferred from the next day).

  (d): Calculate the total column of the funds transfer management ledger whose funds transfer date is the current day. In this case, since the funds transfer date is 10/11, the money transfer amount (total) is calculated as shown in FIG.

  (e): At the branch office, a fund transfer slip as shown in FIG. 20 is created based on the fund transfer management ledger, and a charge mark is stamped. For further confirmation, the administrator confirms and stamps an approval seal.

  (f): The operator operates the terminal to input the data of the funds transfer slip approved by the approval stamp.

  The conventional apparatus as described above has the following problems.

  (1): At each branch, the processing for transferring funds, especially the processing (8) to (11) described above, was mostly manual, so it took time and effort. In addition, there is a high possibility of mistakes due to manual operations in slip entry and processing.

  (2): Despite the fact that there are many of the same contents for the issuance of the transfer card performed at each branch and the slip data processed at the center, the branch and the center perform data input processing separately. Not only was it time consuming, but there was a possibility of making different inputs.

  The present invention solves such a conventional problem, and in the center, based on the slip data received from each branch, concentrates exchange processing such as slip data aggregation processing, fund transfer processing, fund transfer slip creation processing, etc. By doing so, the purpose is to reduce the exchange processing conventionally performed at each branch and to improve the efficiency of the exchange processing. Another object of the present invention is to automatically issue a transfer card using processed slip data at the center, thereby eliminating a transfer card issuing process at each branch and reducing an operator's burden.

In order to achieve the above object, the present invention is configured as follows.
FIG. 1 is a diagram illustrating the principle of the present invention. In order to achieve the above object, the present invention is configured as follows.

  (1): a centralized exchange processing apparatus installed in the center of a system for centrally processing slip data generated at each branch of a financial institution at the center. A terminal device 13 and a transfer card issuing machine 14 for issuing the transfer card 15 are provided.

  The transfer processing device 11 stores the file device 8, the host transmission unit 1 for transmitting data to the host, the data output unit 2 for outputting data from the file device 8, and the file device 8. A file control unit 3 for controlling each file is provided, and the processing terminal device 13 includes a card issuance data creation processing unit 4, a fund transfer condition processing unit 5, a totalization processing unit 6, and a fund transfer slip creation. A processing unit 7 is provided. Further, the file device 8 is provided with a slip data file 29, a total data file 30, and a fund transfer condition data file 31.

  Moreover, the said exchange concentration processing apparatus was comprised as follows.

  (2): A centralized exchange processing apparatus installed in the center of a system for centrally processing slip data generated at each branch of a financial institution at the center, and a file device 8 for storing slip data received from each branch And a summing processing means for summing up the slip data stored in the file device 8 for each branch to create the summed data, and a fund transfer process for each branch based on the summed data for each branch, Fund transfer voucher creation processing means for creating fund transfer voucher data for.

  (3): In the centralized exchange processing apparatus according to (2), when the aggregation processing means prepares the aggregation data for each branch, the transfer item, the designated transfer date, the handling, A function for setting each item of the destination type and classifying the items according to the items to create total data is provided.

  (4): In the centralized exchange processing apparatus according to (2), the slip data of a transaction that requires a transfer card issuance is read from the slip data of the file device 8, and the slip data is converted into a data format for issuing a transfer card. A card issuance data creation processing means for creating transfer card issuance data by conversion and a transfer card issuing machine for issuing a transfer card based on the data output from the card issuance data creation processing means are provided.

  (5): In the centralized exchange processing apparatus of (3), the card issuance data creation processing means is a transaction that requires the issuance of a transfer card based on the transfer card issuance required / unnecessary information included in the slip data. It has a function to determine whether or not.

  (6): A centralized exchange processing apparatus installed in the center of a system for centrally processing slip data generated at each branch of a financial institution at the center, and a file device for storing slip data received from each branch; , The aggregation processing means for totaling the slip data stored in the file device for each branch and creating the total data, and when creating the total data for each branch, as a classification item, transfer item, handling, Each item of destination type is set, and the item-by-item aggregation means for creating the aggregation data classified by the item, and the funds transfer processing for each branch based on the aggregation data for each branch, A currency exchange concentration processing apparatus comprising fund transfer slip creation processing means for automatically creating fund transfer slip data.

  (7): In the centralized exchange processing device of (6), the slip data of a transaction requiring a transfer card is read out from the slip data of the file device, and the slip data is converted into a data format for issuing a transfer card. Card issuing data creation processing means for creating transfer card issuing data, and a transfer card issuing machine for issuing a transfer card based on data output from the card issuing data creation processing means Centralized exchange processing device.

  (8): In the centralized exchange processing apparatus of (7), the card issuance data creation processing means is a transaction that requires a transfer card issuance based on transfer card issuance required / unnecessary information included in the slip data. A currency exchange concentration processing apparatus characterized by having a function of determining whether or not.

(Function)
The operation based on the above configuration will be described with reference to FIG.

  (a): The slip data received by FAX from each branch of the financial institution is output to the transfer processing device 11 and stored in the slip data file 29 of the file device 8. The received slip data is converted into code data by character recognition processing and stored in the slip data file 29. Thereafter, the data of the slip data file 29 stored in the file device 8 is processed as follows.

  (b): When issuing a transfer card with the transfer card issuing machine 14, the card issue data creation processing unit 4 of the processing terminal device 13 issues the transfer card in the slip data from the file device 8 via the data output unit 2. Is sequentially read out the slip data required. The read slip data is converted into a data format to be transmitted to the transfer card issuer 14 and transmitted to the transfer card issuer 14. Then, the transfer card issuing machine 14 issues a transfer card.

  In the transfer card issuance process, based on the transfer card issuance required / unnecessary information included in the slip data, it is determined whether or not the transfer card issuance is necessary. Only issue a transfer card.

  (c): When the fund transfer condition processing unit 5 sets / changes the fund transfer condition data, the data of the fund transfer condition data file 31 is read from the file device 8 via the data output unit 2. The read fund transfer condition data is stored in the fund transfer condition data file 31 of the file device 8 via the file control unit 3 after being changed by the operator.

  (d): When the totalization processing unit 6 performs the totalization processing, the processed slip data is sequentially read out of the slip data in the slip data file 29 via the data output unit 2, and the totalization processing is performed. When the tabulation process is completed, the tabulation data file 30 is stored via the file control unit 3.

  In the aggregation process, aggregate data is created for each branch. In this case, the transfer item, transfer designated date, handling, and destination type items are set as classification items of the aggregate data. Classify and create aggregate data.

  (e): When the fund transfer slip creation processing unit 7 performs the fund transfer processing and the fund transfer slip creation processing, the data of the aggregate data file 30 and the fund transfer condition data file 31 are transmitted via the data output unit 2. Is transferred to each branch, and a fund transfer slip for transferring funds (message data of a transmittable fund transfer slip) is created. The created fund transfer slip is stored in the file device 8 via the file control unit 3. The fund transfer slip created as described above is fax-transmitted to the host via the host transmitter 1.

  (f): As described above, funds transfer slips (message data) for each branch are automatically created at the center and transmitted to each branch, thereby reducing the exchange processing performed at each branch and burdening the work. Can be reduced. Further, by automatically issuing a transfer card using processed slip data, it is possible to reduce the transfer card issuing work at each branch side.

  (1): Since the fund transfer process generated in association with the slip data is performed at the center side, it is possible to eliminate the creation and processing of slips for replacement at the branch office, which has been conventionally performed. For this reason, the money transfer process can be performed easily and definitely.

  (2): Since the center sends the slip data and issues the transfer card, the processing of the slip data and the transfer card issuance at the branch is not required, and the exchange process is performed efficiently. It can be carried out. In addition, by performing the currency exchange process at the center, it is possible to eliminate the occurrence of an error that the actual transfer data and the contents of the transfer card are different.

  (3): Since a fund transfer slip for transferring funds to each branch can be automatically created at the center, the processing for transferring funds that has been performed at each branch and the amount transferred at the center. There is no need to perform the check. For this reason, for example, the processing time of 5 minutes to 10 minutes per branch can be shortened. In addition, it is possible to prevent the occurrence of work mistakes.

  (4): Since a transfer card is automatically issued based on the slip data processed at the center and there is no need to issue a transfer card at the branch, for example, about 30 seconds per transfer card Efficiency. In addition, it is possible to eliminate the occurrence of discrepancy between the transfer data and the issued transfer card contents.

  (5): Based on the slip data received from each branch at the center, the exchange processing such as summarization processing of slip data, fund transfer processing, fund transfer slip creation processing, etc. is performed centrally, so that it is conventionally performed at each branch This reduces the amount of exchange processing that has been required and increases the efficiency of exchange processing. In addition, by automatically issuing a transfer card using processed slip data at the center, the transfer card issuance process at each branch can be eliminated and the burden on the operator can be reduced.

  In addition to the above-described effects, the following effects can be obtained corresponding to each claim.

  (6): File device in the centralized exchange processing device, aggregation processing means for creating the aggregated data by totaling the slip data of the file device for each branch, and transferring funds to each branch based on the aggregated data for each branch Fund transfer slip creation processing means for performing processing and creating fund transfer slip data for fund transfer is provided.

  Accordingly, since the fund transfer processing that accompanies the slip data is performed by the aggregation processing means of the center, the fund transfer slip creation processing means, etc., the creation and processing of the slip for replacement at the branch office that has been performed conventionally is performed. It can be lost. For this reason, the money transfer process can be performed easily and definitely. In addition, it is possible to improve the efficiency of exchange processing by reducing the exchange processing conventionally performed at each branch.

  (7): When creating the aggregation data for each branch, the aggregation processing means sets each item of the transfer item, the designated transfer date, the handling, and the destination type as classification items of the aggregation data. It has a function to create aggregate data by classifying items. Accordingly, since it is possible to perform aggregation processing for every classification item that has been conventionally performed at each branch in the center, it is possible to reduce the exchange processing at each branch and to improve the efficiency of the exchange processing.

  (8): Read the slip data of a transaction that requires the transfer card issuance from the slip data of the file device, and output from the card issuance data creation processing means for creating the transfer card issuance data and the card issuance data creation processing means A transfer card issuing machine that issues a transfer card based on the collected data is provided.

  Therefore, processing for issuing a transfer card at a branch is not required, and exchange processing can be performed efficiently. In addition, by performing the batch processing at the center, it is possible to eliminate the occurrence of an error that the actual transfer data and the transfer card contents are different.

  (9): The card issuance data creation processing means has a function of determining whether or not the transfer card issuance is necessary based on the transfer card issuance required / unnecessary information included in the slip data. Therefore, if the slip data generated at each branch includes the transfer card issue necessity / unnecessary information, the center side can easily determine whether or not the transfer card is required.

  Hereinafter, embodiments of the invention will be described with reference to the drawings. In the following description, the transfer slip is simply referred to as “slip”.

§1: Description of facsimile exchange processing system: see FIG. 2 FIG. 2 is a system configuration diagram. For example, a facsimile exchange processing system used in a bank connects a center and a plurality of branches with a FAX communication line for each bank A, B, C... Is a system connected by a FAX communication line.

  For example, in the bank A, FAX transmission / reception is possible between each branch A1, A2, A3,... Of the bank A and the A center, and the exchange rate concentration processing is performed in the center by the FAX transmission / reception. Similarly to the bank A, the bank B and the bank C can be faxed and transmitted between each branch and the center, and the exchange rate concentration processing is performed at the center by the fax transmission and reception.

  In this case, (a) (solid arrow in the figure) shown in the figure shows processing for sending a fax from each branch of the bank A to the A center, and (b) shows processing for a slip sent from each branch at the A center. (C) (dotted arrow in the figure) shows processing for transmitting the data processed in the slip at the A center to the banks B and C. With such a data flow, a system is constructed in which slip data is transmitted from each branch to the center by FAX, and exchange concentration processing (concentration processing for slips, etc.) is performed at the center.

§2: Description of centralized exchange management apparatus installed in the center (see FIG. 3) FIG. 3 is a block diagram of the centralized exchange processing apparatus. During operation, a centralized exchange processing apparatus is installed at the center of each bank. The centralized exchange processing apparatus includes a transfer processing apparatus 11 connected to the host 10, a processing terminal apparatus 13 connected to the transfer processing apparatus 11, a FAX 12, and the like.

  The transfer processing device 11 includes a recognition unit 20, a reception memory 21, a disk device 26, a file input unit 22, a business processing unit 23, a file search unit 24, a file update unit 25, and a communication control unit. 28 is provided. Further, the processing terminal 13 is provided with a plurality of processing terminals 1, 2,... N and a transfer card issuing machine 14 connected to the processing terminal n. The function of each part is as follows.

  (1): The transfer processing device 11 is constituted by a server, for example, and performs various transfer processes and the like according to instructions from the processing terminal device 13. The transfer processing device 11 does not include a display device.

  (2): FAX 12 receives the slip data transmitted from each branch by FAX. The slip image data received by the FAX 12 is output to the transfer processing device 11.

  (3): The recognition unit 20 is composed of an OCR that performs character recognition, reads the image data stored in the reception memory 21 (the image data of the slip received by FAX), performs character recognition processing, and generates code data (character Code data).

  (4): The reception memory 21 is a memory for storing the image data of the slip output from the FAX 12.

  (5): The disk device 26 includes a disk file 27. In this disk file 27, a slip data file 29 for storing image data, code data, and processing status data, and a total for storing total data. A data file 30 and a fund transfer condition data file 31 for storing fund transfer condition data are provided.

  (6): The file input unit 22 performs processing for storing the image data stored in the reception memory 21 and the code data of the result recognized by the recognition unit 20 in the disk file 27.

  (7): The business processing unit 23 performs various processes in the transfer processing device 11 according to instructions from the processing terminal 13. For example, it performs various processes such as a slip data file, delivery of processing status, and summarization processing of slip data. The business processing unit 23 also performs processing for sequentially transmitting the slip data file waiting for transmission to the host 10.

  (8): The file search unit 24 searches the disk file 27 when the business processing unit 23 instructs the business processing unit 23 to search for unprocessed or processed slip data, and sends the search result data to the business processing unit 23. The process of passing is performed.

  (9): The file updating unit 25 updates the data in the disk file 27 with the processed slip data in accordance with an instruction from the business processing unit 23.

  (10): The communication control unit 28 performs communication control with the host 10 according to an instruction from the business processing unit 23.

  (11): The processing terminal device 13 includes a plurality of processing terminals 1, 2,... N, and is constituted by, for example, a personal computer including a display device. The processing terminal device 13 displays the image data and code data of the slip transferred from the transfer processing device 11 and performs editing processing. The edited slip data is stored in the disk file 27 in the transfer processing device 11.

  (12): The transfer card issuing machine 14 writes data in the transfer card 15 and issues a transfer card in accordance with an instruction from the processing terminal device 13.

§3: Explanation of exchange processing ... see FIG. 4 FIG. 4 is an explanatory diagram of exchange processing. A financial institution such as a bank performs exchange processing as follows by performing FAX communication between each branch and the center. Incidentally, (1) to (13) show the exchange processing procedure.

  (1): First, the facsimile exchange processing system is activated at the center. By this processing, the facsimile exchange processing system is in a normal operation state.

  (2): After that, the slip collection process is started at the center.

  (3): Start accepting slips at the branch office and sequentially accept slips.

  (4): Then, the received slip is sequentially faxed to the center.

  (5): When the receipt of slips at each branch is started as described above, the center starts slip collection processing and sequentially receives the slips from each branch by FAX.

  (6): At this time, the center starts the slip processing, and sequentially processes the slip data received by the FAX by the exchange concentrated processing device. In this slip processing, (a) character recognition processing of slip data (image data), (b) transmission processing of slip data (code data after recognition) to the host, (c) transfer card issuance processing, and the like are performed.

  (7): At the center, when all the slip data has been processed (at the end of the one-day slip converging process), the slip data is summed up to create summed data. Then, the fund transfer condition is set / changed, and the fund transfer process is performed based on the total data.

  (8): The center creates a fund transfer slip (message data that can be transmitted to each branch) for each branch based on the aggregated data.

  (9): The center transmits the created fund transfer slip by fax to each destination (each branch).

  (10): The branch office receives a FAX of the fund transfer slip transmitted from the center.

  (11): At the branch, funds are transferred to the center using the funds transfer slip received in the process (10).

  (12): The center receives funds from the branch.

  (13): The center compares the funds received from the branch with the aggregated data, and checks for errors.

§4: Explanation of operation of the concentrated exchange processing apparatus The operation of the concentrated exchange processing apparatus is as follows.

  (1): The slip data (image data of the transfer slip) received from each branch of the bank by FAX 12 is output to the transfer processing device 11 and stored in the reception memory 21. Thereafter, in the transfer processing device 11, the recognition unit 20 reads the image data in the reception memory 21, performs character recognition, and converts it into code data. Then, the file input unit 22 stores the image data in the reception memory 21 and the code data converted by the recognition unit 20 in the slip data file 29.

  (2): When the slip data processing is selected by the operator, the processing terminal device 13 reads unprocessed slip data from the transfer processing device 11 and reads the image data and the code data recognized by the recognition unit 20 in the display device. Display on the screen. Moreover, the code data of the result recognized by the recognition part 20 is corrected as needed.

  Then, when the slip processing is completed, the processing status stored in the slip data file 29 is updated to the processed state and sent to the transfer processing device 11. At this time, the transfer processing device 11 updates the processing status of the slip data file 29 to “processed”.

  (3): The business processing unit 23 receives the slip data processed by the processing terminal 13 and, when the processing status is awaiting transmission, instructs the communication control unit 28 to transmit the slip data to the host 10. The slip data in the slip data file 29 is updated through the file update unit 25.

  (4): When the fund transfer condition setting / change process is selected by the operator, the processing terminal device 13 reads the fund transfer condition data from the fund transfer condition data file 31 and displays the contents on the screen of the display device. . In addition, the operator performs fund transfer condition setting / update processing as necessary. When the setting / updating process is completed, the processed funds transfer condition data is transmitted from the processing terminal device 13 to the transfer processing device 11. The transfer processing apparatus 11 updates the fund transfer condition data file 31 with the processed fund transfer condition data.

  (5): The processing terminal device 13 transmits a totaling instruction command to the transfer processing device 11 when the total data creation instruction is selected by the operator. When the business processing unit 23 receives the totaling instruction command from the processing terminal device 13, the business processing unit 23 sequentially reads out the slip data whose processing status has been processed from the slip data file 29 through the file search unit 24, and performs the totaling processing. When the counting process is completed, the counting data in the counting data file 30 is updated through the file updating unit 25.

  (6): When the fund transfer slip creation process is selected by the operator, the processing terminal device 13 reads the total data in the total data file 30 and the fund transfer condition data in the fund transfer condition data file 31 from the transfer processing device 11. Then, fund transfer processing is performed to create a fund transfer slip (message data that can be transmitted to each branch).

  That is, according to the fund transfer condition data, the total data is edited to create a fund transfer slip. The created funds transfer slip is sent to the transfer processing apparatus 11 as a processing status waiting for transmission. Thereafter, the transfer processing device 11 transmits the funds transfer slip to the host 10.

§5: Explaining the exchange rate concentration process using a flowchart, see FIG. 5 FIG. 5 is a process flowchart on the center side. Hereinafter, the exchange concentration process will be described with reference to FIG. In addition, S1-S8 shows each process step.

  S1: First, for each branch, slip data generated at the branch is faxed to the center.

  S2: The center receives the slip data from each branch by FAX. The received slip data (image data) is sent to the transfer processing device 11 and stored in the reception memory 21 by the transfer processing device 11.

  S3: In the transfer processing device 11, the recognition unit 20 reads the image data (slip data) stored in the reception memory 21, performs character recognition processing, and converts it into code data (character code data).

  S4: When the recognition process ends, the file input unit 22 stores the image data (recognition target data) stored in the reception memory 21 and the code data converted by the recognition process in the slip data file 29. Further, the file input unit 22 recognizes the processing status of the slip data file 29 regarding the code data.

  S5: The processing terminal device 13 reads the code data whose processing status has already been recognized, and corrects the recognition error. Then, the data in the slip data file 29 is updated with the corrected data.

  S6: After the process of S5 is completed, the centralized exchange rate processing apparatus performs a slip data (code data) transmission process, a transfer card issuance process, and the like as follows.

(1): slip data (code data) transmission processing The transfer processing device 11 hosts the slip data (code data) of the slip data file 29 whose processing status is waiting to be transmitted in response to an instruction from the processing terminal device 13. 10 to send. In this case, the business processing unit 23 reads the data of the slip data file 29 via the file search unit 24, requests the communication control unit 28, and transmits it to the host 10. Then, the host 10 transmits the received data to a designated destination such as another bank or another branch of the own bank.

(2): Transfer Card Issuance Processing When issuing a transfer card, the processing terminal n connected to the transfer card issuing machine 14 instructs the business processing unit 23 to transfer the slip data in the slip data file 29. Sequentially read slip data for transactions that require card issuance. Then, the processing terminal n converts the data into a data format to be sent to the transfer card issuer 14 based on the read slip data, and creates transfer card issue data.

  Then, the created transfer card issue data is sent to the transfer card issuer 14. The transfer card issuing machine 14 that has received the transfer card issue data writes the data to the transfer card and issues the transfer card. The transfer card is a card used when a customer makes a transfer using an automatic transaction apparatus (ATM or the like).

  S7: When the day's slip collection processing is completed as described above, slip data summing processing, fund transfer condition setting / change processing, fund transfer slip creation processing, and the like are performed. In this case, the processing terminal device 13 instructs the transfer processing device 11 to read out the slip data to be tabulated, and tabulates the slip data. The total data is stored in the total data file 30 by instructing the transfer processing device 11.

  In this case, items of transfer item, transfer designated date, handling, and destination type are provided in the total data, and are classified and totaled according to these items. The classification by destination type means that the destination financial institution of the transfer, the branch, and the financial institution / branch where the exchange data occurred are compared. (A): If the destination financial institution ≠ the source financial institution (B): The destination financial institution = sender financial institution and the destination branch = sender's branch are assumed to be their own stores. (C): Destination financial institution = sender financial institution and destination branch ≠ This is a classification where the branch of the sender is a contributor.

  Further, when performing the fund transfer condition setting / changing process, the processing terminal device 13 instructs the business processing unit 23 to read the fund transfer condition data stored in the disk file 27 and displays the contents on the screen of the display device. indicate. And the setting change of fund transfer conditions is performed as needed. When this process ends, the business processing unit 23 is requested to store the fund transfer condition data in the fund transfer condition data file 31.

  Further, when creating a fund transfer slip, an instruction is issued from the processing terminal device 13 to the transfer processing device 11 to read the total data from the total data file 30 and to read the capital transfer condition data from the fund transfer condition data file 31. . Then, based on the data, a fund transfer slip (telegram data) is created for each destination such as each branch.

  S8: The created funds transfer slip is sent to the host 10 by instructing the transfer processing apparatus 11. The host 10 transmits the received funds transfer slip to each branch or the like for each destination.

  As described above, since a fund transfer slip for transferring funds to each branch can be automatically created at the center, the processing for transferring funds that has conventionally been performed at each branch and the transfer at the center can be performed. There is no need to check the amount. For this reason, for example, the processing time of 5 minutes to 10 minutes per branch can be shortened. In addition, it is possible to prevent the occurrence of work mistakes.

  Furthermore, since the transfer card is automatically issued based on the slip data processed at the center and it is not necessary to issue the transfer card at the branch, for example, processing efficiency of about 30 seconds per transfer card. Can be achieved. In addition, it is possible to eliminate the occurrence of discrepancy between the transfer data and the issued transfer card contents.

§6: Explanation of tabulation process and fund transfer process ... see FIG. 6 FIG. 6 is a flowchart of the tabulation process and fund transfer process. Hereinafter, based on FIG. 6, the totaling process performed at the center and the fund transfer process will be described. S21 to S36 indicate each processing step.

  When the slip process is completed at the center (S21), the operator starts the counting process at any of the processing terminals of the processing terminal device 13 (S22). Then, an aggregate data creation instruction is sent from the processing terminal to the transfer processing device 11, and the transfer processing device 11 creates the aggregate data (S23).

  Thereafter, the operator activates the fund transfer slip creation process at the processing terminal (S24), and reads the funds transfer condition data from the transfer processing device 11 (S25). Then, the operator of the processing terminal determines whether or not the fund transfer condition data has been set (S30). As a result, if the fund transfer condition data is not set, a message indicating that the fund transfer condition is not set is displayed on the screen of the display device (S26).

  Next, the operator activates the fund transfer condition setting process at the processing terminal (S27), performs the fund transfer condition setting process, and ends the process (S28). When the fund transfer condition data is sent from the processing terminal to the transfer processing device 11, the transfer processing device 11 updates the corresponding fund transfer condition data file 31 (S29) and repeats the processing from S24.

  If it is determined in the process of S30 that the fund transfer condition data has been set, it is determined whether or not the total data has been created (S31). As a result, if the total data has not been created, a message indicating that the total data has not been created is displayed on the screen of the processing terminal (S32), and the process is repeated from the process of S22. However, if it is determined in the process of S31 that the aggregate data has been created, 1 is set as the target branch number (the first branch number = 1 is set) (S33), and the funds transfer slip creation process (details will be described later). (S34).

  After the process of S34 is completed, the target branch number is incremented by 1 (the branch number is incremented) (S35), and the processes from S34 are repeated until the processes of all branches are completed (S36). When the processing of all branches is completed in this way, all processing is terminated.

§7: Explanation of fund transfer voucher creation processing ... see FIG. 7 FIG. 7 is a flowchart of fund transfer voucher creation processing. Hereinafter, the fund transfer slip creation process (detailed process in S34) will be described with reference to FIG. Note that S41 to S47 indicate each processing step.

  First, when the fund transfer voucher creation process is activated at the processing terminal, the aggregate data of the processing target branch is read from the transfer processing device 11 (S42). Then, the number and amount of funds transferred from the center to the branch and from the branch to the center are calculated based on the aggregated data and the funds transfer condition data (S43), and whether or not the amount transferred from the center to the branch is 0 yen. Is determined (S44).

  As a result, if the amount transferred from the center to the branch is not 0 yen, a fund transfer slip is created and stored in the transfer processing device 11 as a host transmission waiting queue (S45). In this case, the fund transfer slip stored as waiting for transmission is then transmitted to the host 10 by the transfer processing device 11. The funds transfer slip is not data printed on paper but telegram data only of code data.

  If the amount transferred from the center to the branch is 0 yen, the process of S45 is not performed. Next, it is determined whether or not the transfer amount from the branch to the center is 0 yen (S46). If it is not 0 yen, a fund transfer slip is created and stored in the transfer processing apparatus 11 as a host transmission waiting queue (S47). . If the amount transferred from the branch to the center is 0 yen, the process of S47 is not performed. When the above process is completed, the fund transfer slip creation process is terminated.

§8: Description of an example of a transfer request document ... see FIGS. 8 and 9 FIG. 8 shows an example 1 of a transfer request document and FIG. 9 shows an example 2 of a transfer request document. When a customer makes a transfer at a bank branch, fill in the necessary information on the transfer request form. As a transfer request document used in this case, for example, there is a transfer request document example 1 shown in FIG. In the transfer request example 1, there are provided columns for entering the transfer designated date, handling, amount of money, information on the requester and recipient, and the like. This transfer request example 1 is used only for normal transfer.

  In addition, in the transfer request example 2 shown in FIG. 9, a transfer card issuance required column is provided in a part of the transfer request document, and a transfer card is issued by marking the mark column. This is an example of a request form. By the way, the transfer card is issued not only for all slips to be transferred, but only when the end user needs the transfer among the end users performing the transfer.

  For this reason, it is necessary to have a means for discriminating whether only the transfer is performed or whether the transfer is performed and the transfer card is issued. Therefore, as shown in FIG. 9, a transfer card issuance required mark field is provided in a part of the transfer request form, and if it is necessary to issue a transfer card in addition to the transfer, the mark field is marked. Process.

  When a transfer is made using the transfer request example 2 described above, the slip data is faxed from the branch to the center. Accordingly, when the center receives the slip data by FAX, it determines that it is necessary to issue a transfer card if there is a mark in the mark field, and determines that it is not necessary to issue a transfer card if there is no mark in the mark field. When the transfer card is required, the center automatically issues the transfer card based on the slip data information.

§9: Description of Transfer / Transfer Card Issuance Request Document Example ... See FIG. 10 FIG. 10 is an example of a transfer / transfer card issuance request document. The illustrated transfer / transfer card issuance request document example is an example of a request document in which a transfer request and a transfer card issuance request can be entered simultaneously with a single request document.

  This transfer / transfer card issuance request document example has the code number 0201 of the request document, which is different from the request document code number 0101 of the transfer request document examples 1 and 2, and can be distinguished by this code number. Yes. That is, in addition to the normal transfer request form, a transfer / transfer card issuance request form is prepared separately, and when the transfer card is required to be issued, the transfer / transfer card issuance request form is used for processing.

  In this way, when a customer at each branch makes a request to each branch using the transfer / transfer card issuance request form, the slip data is faxed to the center. It can be determined that it is necessary to issue a transfer card from the request form code number of the data. Accordingly, a transfer card can be automatically issued based on the slip data.

§10: Explanation of an example of the aggregated data format: see FIGS. 11 and 12 FIG. 11 shows an example of the aggregated data format 1, and FIG. The aggregated data is aggregated in the format shown in FIG. 11 or FIG. 12, and these data formats have substantially the same contents.

  As shown in the figure, in the aggregate data format examples 1 and 2, A is a branch, B is a transfer item, C is a transfer designated date, D is a handling, E is a destination type, F is a number of cases, and an amount of money. The category of aggregation includes the items of A branch, B transfer type, C transfer designated date, D handling, and E destination type, depending on the contents of the slip data transmitted from the branch to the center by FAX. To the total number of cases and amount.

  In this case, the classification by destination type is performed by comparing the destination financial institution of the transfer, the branch with the financial institution where the exchange data is generated, and the branch, a: destination financial institution ≠ source financial institution b: The case where the destination financial institution = source financial institution and the destination branch = source branch is set as the own store, and c: the case where the destination financial institution = source financial institution and the destination branch ≠ source branch It is classified as a contributor.

  In addition, as for the transfer item of B, there are each classification item of fritomi, sakifuri, kiyoyo, kyoyo2, shiritate 0 yen, sokin, tritate, scallop, seiuki, sakisei, satsukitsu, unasou and kokuso.

§11: Explanation of example of funds transfer condition data format ... see FIG. 13 FIG. 13 shows an example of the format of fund transfer condition data. The fund transfer condition data format is similar to the total data format. That is, in the format of the funds transfer condition data, B is a transfer item, C is a transfer designated date, D is a handling, E is a destination type, and G is a column for each condition. In the condition column, the conditions (a), (b), and (c) are entered. The condition (a) indicates that the funds are transferred from the center to the branch, (b) indicates that the funds are transferred from the branch to the center, and (c) indicates that the funds are not transferred.

  In the above example, the combination of (transfer type, transfer designated date, handling, destination type) is (Furicomi, that day, Telegraph, other bank) and (Fricomi, that day, Telegraph, own store) aggregated data, Since the condition is (a), funds are transferred from the center to the branch.

  In addition, the aggregated data for (Furicomi, Same-day, Telegraph, Fellowship) and (Furicomi, Same-day, Document, Other bank) is subject to the transfer of funds from the branch to the center because the condition is (b). Furthermore, the aggregated data for (Fricomi, Same-day, Document, Own store) and (Furicomi, Same-day, Document, Fellowship) are not subject to the transfer of funds because the condition is (c).

  By the way, when creating a fund transfer slip as described above, if (a) is set in the fund transfer conditions corresponding to each column (field) of the aggregated data, it is assumed that the funds are transferred from the center to the branch. , (B) is set, the total number of transfers and the amount of money is calculated as the transfer of funds from the branch to the center.

§12: Explanation of format example of funds transfer slip ... see FIG. 14 FIG. 14 shows a format example of funds transfer slip. The funds transfer slip (message data) has various information fields such as receiving safe / store, outgoing safe / store, handling date, item, amount, number / recipient, client, etc. Create a fund transfer slip by writing various information. In this case, the “item” column in (a) differs depending on the direction of the fund transfer. If the direction of funds transfer is from the center to the branch, it is TSUKEKAE, and if the direction is from the branch to the center, it is SEIKI.

It is a principle explanatory view of the present invention. It is a system configuration diagram in an embodiment. It is a block diagram of the exchange concentration processing apparatus in an embodiment. It is exchange processing explanatory drawing in embodiment. It is a processing flowchart on the center side in the embodiment. It is a totalization process in embodiment, and a fund transfer process flowchart. It is a fund transfer voucher creation process flowchart in an embodiment. It is transfer request example 1 in an embodiment. It is example 2 of a transfer request document in an embodiment. It is an example of a transfer and transfer card issue request document in an embodiment. It is the total data format example 1 in embodiment. It is the total data format example 2 in embodiment. It is an example of a fund transfer condition data format in an embodiment. It is an example of a fund transfer slip format in the embodiment. It is conventional exchange processing explanatory drawing. It is the example of the conventional total data / fund movement management ledger. It is the conventional transcription example 1 / transcription example 2. It is the conventional transcription example 3 / transcription example 4. It is the conventional transcription example 5. It is an example of the conventional fund transfer slip.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Host transmission part 2 Data output part 3 File control part 4 Card issue data creation process part 5 Fund transfer condition process part 6 Total process part 7 Fund transfer slip creation process part 10 Host 11 Transfer processing apparatus 12 FAX
DESCRIPTION OF SYMBOLS 13 Processing terminal device 14 Transfer card issuing machine 15 Transfer card 20 Recognition part 21 Reception memory 22 File input part 23 Business processing part 24 File search part 25 File update part 26 Disk apparatus 27 Disk file

Claims (3)

A centralized exchange processing apparatus installed at the center of a system for centrally processing slip data generated at each branch of a financial institution at the center,
A file device for storing slip data received from each branch;
Tally processing means for tallying the slip data stored in the file device for each branch to create tally data;
When creating aggregate data for each branch, as the classification items, each item of transfer item, handling, and destination type is set, and the item-by-item aggregation means for creating the aggregate data classified by the items,
A currency exchange concentration process comprising fund transfer slip creation processing means for performing fund transfer processing for each branch based on the aggregated data for each branch and automatically creating fund transfer slip data for fund transfer apparatus.   Card issuance data creation processing that reads out slip data of a transaction that requires issuance of a transfer card from the slip data of the file device, converts the slip data into a data format for issuing a transfer card, and creates transfer card issuance data 2. The centralized currency exchange processing apparatus according to claim 1, further comprising a transfer card issuing machine that issues a transfer card based on the data output from the means and the data output from the card issue data creation processing means.   The card issuance data creation processing means has a function of determining whether or not a transfer card issuance is necessary based on transfer card issuance necessity / unnecessary information included in the slip data. The centralized exchange processing apparatus according to claim 2.

Images