JP2011060257A - Reservation transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve a problem wherein when a customer draws money by using an automatic transaction device, since selection of a transaction type, input of personal authentication, amount of drawn money and the number of drawn bills by bill type etc. using a customer-carrying medium such as a magnetic card are required, this complicated processing procedure elongates processing time, causing a phenomenon of customers waiting in a long line in front of the automatic transaction device on payday and in a busy period such as end of month. <P>SOLUTION: In this reservation transaction processing system, continuous processing of a transaction by communications between a conventional automatic transaction device 8 and a central processing unit 4 is divided into reservation processing by communications between a customer terminal 1 or 2 and the central processing unit 4 via a customer server 3 and a termination processing by communications between the automatic transaction device 8 and the central processing unit 4. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a transaction processing system by reservation.

  When a customer withdraws money using an automatic transaction apparatus, it is necessary to select a transaction type, perform personal authentication, input a withdrawal amount and the number of withdrawals by money type, etc. using a customer possession medium such as a magnetic card. Due to the inconvenience of this processing procedure, the processing time becomes longer, and during busy periods such as salary days and the end of the month, a long customer waiting phenomenon occurs in front of the automatic transaction apparatus.

As a preventive measure, a reservation system using a mobile phone has been proposed.

JP-A-2001-175783

  However, in the reservation system using the mobile phone described above, available stores and automatic transaction devices are limited, and new facilities such as a transaction reservation reception device are required in the store.

  Therefore, in the present invention, continuous transaction processing by communication between the conventional automatic transaction apparatus and the central processing unit, reservation processing by communication between the customer terminal and the central processing unit via the customer server, automatic transaction apparatus and central processing It is characterized in that the processing is divided into termination processing by communication with the apparatus.

  Thus, the present invention divides the reservation process by the communication between the customer terminal and the central processing unit via the customer server and the termination process by the communication between the automatic transaction unit and the central processing unit. Customer operation is omitted, customer waiting time is shortened, and the operating rate of the automatic transaction apparatus is improved.

  Embodiments of a reservation transaction processing system according to the present invention will be described below with reference to the drawings.

1 is a system configuration diagram of the embodiment, FIG. 2 is a block diagram of a personal computer of the embodiment, FIG. 3 is a block diagram of a mobile phone of the embodiment, and FIG. 4 is a data configuration of an Internet customer management database of the customer server of the embodiment. FIG. 5 is a data configuration diagram of the customer management database of the central processing unit of the embodiment, FIG. 6 is a block diagram of the automatic transaction apparatus of the embodiment, FIG. 7 is a flowchart showing the reservation processing of the embodiment, and FIG. It is a flowchart which shows this termination process.
In FIG. 1, reference numeral 1 denotes a personal computer installed at a customer's home or the like for reservation processing, 2 a mobile phone for receiving a processing result in a central processing unit described later via a customer server described later, and 3 a personal computer 1 4 is a customer server for personal authentication associated with reservation processing in the Internet, transmission / reception of reservation information with the central processing unit to be described later, and e-mailing processing results in the central processing unit to a mobile phone. A central processing unit that performs reservation processing such as the updating of deposit balances in the customer management database in response to requests and transmission and closing processing of reservation processing information in the customer management database associated with reserved withdrawals in the automatic transaction device described later Yes, 5 is the Internet that connects customer terminals such as personal computers 1 and mobile phones 2 and customer servers, 6 is a dedicated line that connects the central processing unit and automatic transaction equipment, 7 is A magnetic card storing customer number, etc., 8 and read customer number or the like stored in the magnetic card 7, an automatic transaction apparatus which performs dispensing process, etc. with a clean-up at the customer management database.

  In FIG. 2, reference numeral 11 denotes a control unit that controls the operation of the entire personal computer 1 including a communication unit and an operation display unit, which will be described later, based on software stored in a storage unit 12 constituted by a memory or the like. A communication unit 13 is connected to the Internet 5. An operation display unit 14 performs various input operations and various displays.

  In FIG. 3, reference numeral 21 denotes a control unit that controls the operation of the entire mobile phone 2 including a communication unit and an operation display unit, which will be described later, based on software stored in a storage unit 22 constituted by a memory or the like. A communication unit 23 is connected to a wireless network of the mobile phone 2 (not shown) and the Internet 5. An operation display unit 24 performs various input operations and various displays.

  In FIG. 4, reference numeral 31 denotes a login ID and 32 denotes a password. The personal authentication is performed by comparing and comparing the login ID input from the personal computer 1 with the password, and login to the customer server 3 is permitted. Reference numeral 33 denotes an e-mail address of the mobile phone 2, which e-mails the processing result in the central processing unit 4 to the mobile phone 2. The e-mail address may be the e-mail address of the personal computer 1.

  Reference numeral 34 denotes an account number, which is the same as an account number 41 in a customer management database of the central processing unit 4 to be described later, thereby enabling access to and updating of a database such as a deposit balance 43 attached to the account number 41. Reference numeral 35 denotes a deposit balance, which is the same as the deposit balance 43 after updating the balance in a customer management database of the central processing unit 4 described later.

  Reference numeral 36 denotes a reservation flag, which is the same as a reservation flag 44 in a customer management database of the central processing unit 4 described later, and indicates whether or not the account number 41 is reserved. It is always off and indicates no reservation. The condition for turning on the reservation flag 44 is when the withdrawal amount input following the selection of the “reservation request” button at the customer terminal is equal to or less than the deposit balance 43 in the customer management database of the central processing unit 4. The condition for turning off the reservation flag 44 again is that the customer terminal is within the same expiration date when the termination processing in the central processing unit 4 ends and when the expiration date of the customer management database of the central processing unit 4 to be described later is exceeded. Or, when the “reservation cancellation” button in the automatic transaction apparatus 8 is selected.

  Reference numeral 37 denotes a withdrawal amount at the time of the reservation request, and 38 denotes a withdrawal amount by type of money at that time, which is the same as the withdrawal amount 45 and the withdrawal amount 46 in the customer management database of the central processing unit 4 described later. Whether or not to input the number of withdrawals by type at the customer terminal depends on the customer's selection.

  Reference numeral 39 denotes a processing time, which is the same as the processing time 47 of the customer management database of the central processing unit 4 described later. The processing time 47 is set at the time of the reservation processing, the termination processing, or the cancellation processing. Reference numeral 40 denotes an expiration date, which is the same as an expiration date 48 of a customer management database of the central processing unit 4 described later. The expiration date 48 is set at the time of reservation processing and cleared at the time of termination processing. The expiration date 48 is set as a time limit that allows the termination processing in the central processing unit 4.

  In FIG. 5, the meaning of each symbol is as described in FIG. 4 except for 42, and the description thereof is omitted. Reference numeral 42 denotes a personal identification number. The personal identification of the account number 41, personal identification number 42, and the account number transmitted from the automatic transaction apparatus 8 and the personal identification number is performed by comparison, and reservation processing information is transmitted to the automatic transaction apparatus 8. To do.

  In FIG. 6, reference numeral 51 denotes a control unit, which is software stored in a storage unit 52 constituted by a memory or the like for the entire operation including a communication unit, an operation display unit, a magnetic card reader, a deposit / withdrawal unit, and a printing unit, which will be described later. Control based on wear. A communication unit 53 performs communication processing with the customer management database of the central processing unit 4 via the dedicated line 6. An operation display unit 54 performs various input operations and various displays. A magnetic card reader 55 reads information stored in the magnetic card 7 by the customer and stores it in the storage unit 52. Reference numeral 56 denotes a deposit / withdrawal unit, which performs deposit / withdrawal processing based on the termination processing information in the customer management database of the central processing unit 4. A printing unit 57 includes a slip issuing machine and a passbook printing machine, and performs printing based on the termination processing information in the customer management database of the central processing unit 4.

  A description will be given according to the steps indicated by S using the flowchart showing the reservation processing of the embodiment shown in FIG. In the present embodiment, the withdrawal amount at the time of the reservation request on the personal computer 1 is 50,000 yen, and the withdrawal amount by type is 5 “5,000 yen bills”, 20 “thousand yen bills”, “5 hundred” Reservation processing in the central processing unit 4 when 8 yen coins, 5 hundred yen coins, and 10 50 yen coins and reservation processing information are sent to the email address of the mobile phone 2 Explain what to do.

S01: The personal computer 1 browses a homepage (not shown) established by the financial institution, personally authenticates the entered login ID and password by matching the login ID 31 and password 32 of the Internet customer management database, Allow login.

S02: When the login is permitted, the operation display unit 14 displays a reservation type selection screen, a withdrawal amount input screen, and a withdrawal amount input screen that are not shown. The reservation type selection screen displays buttons for selecting a reservation type such as “Reservation Request”, “Reservation Inquiry”, “Reservation Cancellation”, etc., and the withdrawal amount input screen has a frame for entering a numerical value and “10,000 yen” Buttons for selecting units such as “thousand yen” and “yen” are displayed. On the screen for entering the number of withdrawals by type, “5,000 yen bill”, “thousand yen bill”, “5 hundred yen coin”, “100 yen” Display of denominations such as “Yen coins” and “50 yen coins” and a withdrawal number input frame provided for each denomination display.

S03: The customer selects the “reservation request” button on the reservation type selection screen, enters “5” in the frame for entering the numerical value on the withdrawal amount input screen, selects the “10,000 yen” button for selecting the unit, Next, the 5,000 yen bill “5”, the thousand yen bill “20”, the five hundred yen coin “8”, the hundred yen coin “5”, the 50 yen coin “ 10 ”is input, and the customer confirms that the total amount of the withdrawal amount and the total number of withdrawals by type of money matches, and selects a“ confirm ”button (not shown). If you select the “correct” button (not shown) before selecting the “confirm” button, the above display of the withdrawal amount, the number of withdrawals by type, and the total amount will be cleared, and you can select and enter them from the beginning. It becomes. If a “cancel” button (not shown) is selected before the “confirm” button is selected, the home page opened by the first financial institution is returned.

S04: The customer server 3 temporarily stores the information in the withdrawal amount 37 attached to the account number 34 of the Internet customer management database and the withdrawal amount 38 according to the selection of the above-mentioned “confirm” button. Is transferred to the central processing unit 4.

S05: If the withdrawal amount 37 is equal to or less than the deposit balance 43, the central processing unit 4 updates the deposit balance 43 by subtracting the withdrawal amount 37 as a reservation process, and sets the withdrawal amount 37 and the number of withdrawals 38 by type. Each withdrawal amount 45 and money type withdrawal number 46 is stored, the processing time 47 is set as the current time, the expiration date 48 is set as the time when the closing process is impossible, the reservation flag 44 is turned on, and these reservations are made. Processing information is transmitted to the customer server 3.

S06: The customer server 3 temporarily stores these reservation processing information in each database of the Internet customer management database, and subsequently transmits the stored reservation processing information to the personal computer 1 and simultaneously to the e-mail address of the mobile phone 2. Email to

S07: The personal computer 1 displays these reservation processing information, and returns to the display of the first homepage established by the financial institution when the customer selects a “return” button (not shown).

S08: The mobile phone 2 displays the reservation processing information e-mailed.

S09: Note that, at the same time as turning on the reservation flag 44 in S05, the central processing unit 4 starts monitoring the expiration date while comparing the expiration date 48 with the current time.

S10: If the current time exceeds the expiration date 48, as a cancellation process, the deposit balance 43 is added with the withdrawal amount 45 and returned to the original deposit balance 43, the reservation flag 44 is turned off, the withdrawal amount 46, The number of withdrawals 47 by type is cleared, the processing time 47 is set to the current time, and the cancellation processing information is transmitted to the customer server 3.

S11: The customer server 3 temporarily stores the cancellation processing information in each database of the Internet customer management database, and subsequently emails the stored cancellation processing information to the email address of the mobile phone 2.

S12: The mobile phone 2 displays the cancellation processing information that has been e-mailed.

  In S03, if the customer selects the “reservation inquiry” button on the reservation type selection screen, the on / off state of the reservation flag 44 in the customer management database of the central processing unit 4 is confirmed. The reservation processing information in S05 is transmitted to the personal computer 1 via the customer server 3 and displayed. If it is off, reservationless display information (not shown) is transmitted to the personal computer 1 via the customer server 3 and displayed.

  In S03, if the customer selects the “cancel reservation” button on the reservation type selection screen, the on / off state of the reservation flag 44 in the customer management database of the central processing unit 4 is confirmed. Similar to when the current time in S10 exceeds the expiration date 48, the cancellation process in S10 and the processes in S11 and S12 are performed. If it is off, reservationless display information (not shown) is transmitted to the personal computer 1 via the customer server 3 and displayed.

  In S05, if the withdrawal amount 37 exceeds the deposit balance 43, a deposit balance shortage display is transmitted to the personal computer 1 via the customer server 3 to prompt the customer to select “reservation correction” (not shown).

  Note that the results of the processes in S05 and S10 can be confirmed by “reservation inquiry” or the like by the customer terminal, and the e-mail addressed to the e-mail address may be omitted.

  Description will be made according to the steps indicated by S using the flowchart showing the termination process of the embodiment shown in FIG. In the present embodiment, after the reservation process in the personal computer 1, the automatic processing apparatus 8 automatically communicates with the central processing apparatus 4 after selecting “reserved withdrawal”, by the termination process in the central processing apparatus 4. Withdrawal processing and the like in the transaction apparatus 8 will be described.

S21: The automatic transaction apparatus 8 displays a transaction type selection screen (not shown) on the operation display unit 54 when the approach of the customer is detected by a sensor (not shown). On this selection screen, buttons for selecting transaction types such as “reserved withdrawal”, “reservation cancellation”, “withdrawal” and the like are displayed. S22: When the customer selects the “Reserved withdrawal” button on this selection screen, the control unit 51 starts a transaction for the reserved withdrawal.

S23: When the control unit 51 starts a reserved withdrawal transaction, the operation display unit 54 displays a magnetic card insertion screen (not shown). S 24: When the magnetic card 7 possessed by the customer is inserted into the magnetic card reader 55, the magnetic card reader 55 reads the account number stored in the magnetic card 7 and stores it in the storage unit 52.

S25: The operation display unit 54 displays a password input guidance screen (not shown). S26: When the customer selects a numeric button or the like displayed on the screen and inputs a personal identification number, the control unit 51 controls the communication unit 53 to input the account number stored in the storage unit 52 via the dedicated line 6. The password is transmitted to the central processing unit 4.

S27: The central processing unit 4 personally authenticates the account number and personal identification number received from the automatic transaction apparatus 8 with the account number 41 and personal identification number 42 in the customer management database, and turns on the reservation flag 44 in the customer management database. The off state is confirmed, and if it is on, the reservation processing information at S05 is transmitted to the automatic transaction apparatus 8. If it is OFF, no reservation display information (not shown) is transmitted to the automatic transaction apparatus 8 and displayed.

S28: When the control unit 51 of the automatic transaction apparatus 8 receives the reservation processing information, the operation display unit 54 displays the reservation processing information (not shown). S 29: If the customer selects the “confirm” button, confirmation selection information (not shown) is transmitted to the central processing unit 4.

S30: When the central processing unit 4 receives the confirmation selection information, as a closing process, the processing time 47 of the customer management database is changed to the current time, the reservation flag 44 is turned off, the other deposit balance 43, the withdrawal amount 45, This termination processing information is transmitted to the automatic transaction apparatus 8 together with the number of withdrawals 46 by type and the expiration date 48.

S31: When the control unit 51 of the automatic transaction apparatus 8 receives the termination processing information, the operation display unit 54 displays the above-mentioned termination processing information (not shown), and when the customer selects the “confirm” button, the deposit / withdrawal unit 56 withdraws. The cash equivalent to the amount 45 or the number of withdrawals 46 by money type is conveyed to the banknote deposit / withdrawal unit and the coin deposit / withdrawal unit, the printing unit 57 prints termination processing information, etc., and the operation display unit 54 has cash and magnetic cards not shown. The customer is prompted to receive cash and a magnetic card.

S32: The customer receives the cash conveyed to the banknote deposit / withdrawal unit and the coin deposit / withdrawal unit and the returned magnetic card, and the transaction in the automatic transaction apparatus 8 is terminated.

  In S29, if the customer selects the “Cancel” button, cancel selection information (not shown) is transmitted to the central processing unit 4, and the central processing unit 4 is informed when the current time at S10 exceeds the expiration date 48. In the same way as the cancellation processing, the deposit balance 43 is added with the withdrawal amount 45 to return to the original deposit balance 43, the reservation flag 44 is turned off, the withdrawal amount 46 and the withdrawal amount 47 by type are cleared, and processing Time 47 is set as the current time, and this cancellation processing information is transmitted to the automatic transaction apparatus 8 and the customer server 3. The automatic transaction apparatus 8 displays a cancellation process (not shown) and causes the customer to select a “confirm” button. The automatic transaction apparatus 8 returns the magnetic card and returns to the initial state.

As explained above, continuous transaction processing by communication between the conventional automatic transaction device and the central processing unit, reservation processing by communication between the customer terminal and the central processing unit via the customer server, automatic transaction device and central processing By dividing into the termination process by communication with the apparatus, the customer operation is simplified and the customer waiting time is shortened in the automatic transaction apparatus, and at the same time, the operation rate of the automatic transaction apparatus is improved.

  In the operation step in the automatic transaction apparatus 8 and the processing step in the central processing unit 4, S22, S23, S25 are omitted, the input of the PIN number in S26 and S27 and its comparison and collation are omitted, and the customer in S28. If the selection of the “confirm” button is omitted, the closing process in the automatic transaction apparatus 8 is equivalent to the withdrawal amount 45 or the withdrawal amount 46 of the money type requested by the customer simply by inserting the magnetic card into the magnetic card reader. Cash can be received and the operation time can be greatly reduced.

  Also, the reservation process is performed by the mobile phone 2 instead of the personal computer 1, and the termination process is described in Japanese Patent Application No. 2009-197341 (transaction processing system by mobile phone number) previously proposed by the applicant instead of the magnetic card. With the configuration of an automatic transaction apparatus equipped with a mobile phone incorporating a contactless IC card storing a mobile phone number and an IC card reader that reads the mobile phone number, reservation processing and termination processing can be performed only with the mobile phone. It becomes possible, and the convenience for customers is further improved.

  A reservation number may be added to the customer management database of the central processing unit. This addition is convenient for inquiries about the reservation status of the customer to the relevant financial institution and for responses.

  System configuration diagram of the embodiment   Block diagram of the personal computer of the embodiment   Block diagram of the mobile phone of the embodiment   Data configuration diagram of customer management database for Internet of customer server of embodiment   System configuration diagram of customer management database of central processing unit of embodiment   Block diagram of the automatic transaction apparatus of the embodiment   The flowchart which shows the reservation processing of an Example   The flowchart which shows the termination process of an Example

1 PC 2 Mobile phone 3 Customer server 4 Central processing unit 5 Internet 6 Dedicated line 7 Magnetic card 8 Automatic transaction device 11 Control unit 12 Storage unit 13 Communication unit 14 Operation display unit 31 Login ID
32 Password 33 E-mail address 34 Account number 35 Deposit balance 36 Reservation flag 37 Withdrawal amount 38 Number of withdrawals by type of money 39 Processing time 40 Expiration date 42 PIN number 51 Control unit 55 Magnetic card reader 56 Deposit / withdrawal unit 57 Printing unit

Claims (2)

  Customer terminals such as personal computers (1) and mobile phones (2) are connected via the Internet (5) with login IDs (31)), passwords (32), account numbers (34), customer numbers, deposit balances (35), Connected to a customer server (3) having an Internet customer management database storing a reservation flag (36), a withdrawal amount (37), a processing time (39), an expiration date (40), etc., and the customer server (3 ) Is a central processing unit having a customer management database storing personal authentication information such as the same information as above (such as customer number and expiration date (48) and personal identification number (42)) via a dedicated line (6) or the Internet. 4), the central processing unit (4) is connected to a magnetic card (7), an IC card or a mobile phone storing the same customer number as above via a dedicated line (6) or the Internet. In a system configuration connected to an automatic transaction apparatus (8) equipped with a medium reader such as a magnetic card reader (55) and a deposit / withdrawal unit for reading stored information of a customer possessed medium such as , Login to the customer server by inputting the customer login ID (31) and password (32), and the deposit balance (43) in the customer management database of the central processing unit (4) by inputting the withdrawal amount of the customer. Renewal and reservation processing such as setting of the reservation flag (44) and setting of the expiration date (48) are performed. Next, in the automatic transaction apparatus (8), the selection of the transaction type such as the customer's reserved withdrawal and the customer Reservation processing information is obtained by performing personal authentication in the customer management database of the central processing unit (4) by reading the customer number by inserting the possessed medium into the media reader and inputting personal authentication information. Sending to the automatic transaction apparatus (8), performing the termination process in the customer management database of the central processing unit (4) by confirming the customer reservation processing information, and transmitting the termination process information to the automatic transaction apparatus (8), The automatic transaction apparatus (8) performs a withdrawal process or the like based on the termination process information, and a reservation transaction processing method and a reservation transaction processing method thereof. In the automatic transaction apparatus (8), at least one of the actions of selecting the transaction type by the customer, inputting personal authentication information, and confirming the reservation processing information, and the automatic transaction apparatus (8) associated therewith And the processing of the central processing unit (4), the reservation transaction processing system according to claim 1, and the reservation transaction processing method thereof.

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