JP2011060257A - Reservation transaction processing system - Google Patents

Reservation transaction processing system Download PDF

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JP2011060257A
JP2011060257A JP2009233849A JP2009233849A JP2011060257A JP 2011060257 A JP2011060257 A JP 2011060257A JP 2009233849 A JP2009233849 A JP 2009233849A JP 2009233849 A JP2009233849 A JP 2009233849A JP 2011060257 A JP2011060257 A JP 2011060257A
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customer
reservation
central processing
automatic transaction
processing unit
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Masanori Osada
正範 長田
Yasuaki Kajisha
康昭 鍛治舎
Ryotaro Waga
亮太郎 和賀
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<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

本発明は、予約による取引処理システムに関するものである。  The present invention relates to a transaction processing system by reservation.

顧客が自動取引装置で出金をする場合、磁気カード等の顧客所持媒体を用いて、取引種別の選択や個人認証や出金金額や金種別出金枚数の入力等が必要である。この処理手順の煩わしさから処理時間が長くなり、給与日・月末等の繁忙期には、自動取引装置の前で長い客待ち現象が生じている。  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.

この防止策として、携帯電話での予約システム等が提案されている。As a preventive measure, a reservation system using a mobile phone has been proposed.

特開2001−175783JP-A-2001-175783

しかしながら、上記の携帯電話での予約システムでは利用できる店舗や自動取引装置が限定され更に同店舗では取引予約受付装置等の新たな設備が必要である。  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.

そのため、本発明では、従来の自動取引装置と中央処理装置との交信による取引の連続処理を、顧客端末と顧客サーバを経由した中央処理装置との交信による予約処理と、自動取引装置と中央処理装置との交信による終結処理とに分割して処理することを特徴としている。  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.

このように本発明は、顧客端末と顧客サーバを経由した中央処理装置との交信による予約処理と、自動取引装置と中央処理装置との交信による終結処理とに分割することにより、自動取引装置での顧客操作が省略化され客待ち時間が短縮化され、自動取引装置の稼働率が向上する。  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.

以下、図面を参照して本発明による予約取引処理システムの実施例について説明する。  Embodiments of a reservation transaction processing system according to the present invention will be described below with reference to the drawings.

図1は実施例のシステム構成図、図2は実施例のパソコンのブロック図、図3は実施例の携帯電話のブロック図、図4は実施例の顧客サーバのインターネット用顧客管理データベースのデータ構成図、図5は実施例の中央処理装置の顧客管理データベースのデータ構成図、図6は実施例の自動取引装置のブロック図、図7は実施例の予約処理を示すフローチャート、図8は実施例の終結処理を示すフローチャートである。
図1において、1は顧客の自宅等の設置され予約処理を行なうパソコンであり、2は後述の中央処理装置での処理結果を後述の顧客サーバ経由で受信する携帯電話であり、3はパソコン1での予約処理に伴う個人認証や後述の中央処理装置との予約情報の送受信やその中央処理装置での処理結果を携帯電話へ電子メールする等の顧客サーバであり、4はパソコン1での予約依頼に伴う顧客管理データベースでの預金残高の更新等の予約処理や後述の自動取引装置での予約済み出金に伴う顧客管理データベースでの予約処理情報の送信や終結処理等を行なう中央処理装置であり、5はパソコン1や携帯電話2等の顧客端末と顧客サーバとを接続するインターネットであり、6は中央処理装置と自動取引装置とを接続する専用回線であり、7は、顧客番号等を記憶した磁気カードであり、8は磁気カード7の記憶した顧客番号等を読み取ったり、顧客管理データベースでの終結処理に伴う出金処理等を行なう自動取引装置である。
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.

図2において、11は制御部で、後述の通信部,操作表示部を含めたパソコン1全体の動作をメモリ等で構成された記憶部12に記憶されたソフトウエアに基づいて制御する。13は通信部で、インターネット5に接続されている。14は各種入力操作や各種表示を行なう操作表示部である。  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.

図3において、21は制御部で、後述の通信部,操作表示部を含めた携帯電話2全体の動作をメモリ等で構成された記憶部22に記憶されたソフトウエアに基づいて制御する。23は通信部で、図示しない携帯電話2の無線ネットワークやインターネット5に接続されている。24は各種入力操作や各種表示を行なう操作表示部である。  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.

図4において、31はログインIDと32はパスワードであり、パソコン1から入力されたログインIDとパスワードとの比較照合により個人認証し顧客サーバ3へのログインを許可する。33は携帯電話2の電子メールアドレスであり、中央処理装置4での処理結果を携帯電話2に電子メールする。なお、この電子メールアドレスはパソコン1の電子メールアドレスであっても構わない。  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.

34は口座番号であり、後述の中央処理装置4の顧客管理データベースの口座番号41と同一で、これによって口座番号41に付属した預金残高43等のデータベースへのアクセスやその更新が可能となる。35は預金残高であり、後述の中央処理装置4の顧客管理データベースの残高更新後の預金残高43と同一である。  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.

36は予約フラグであり、後述の中央処理装置4の顧客管理データベースの予約フラグ44と同一で、当該口座番号41の予約の有無を表わす。常時はオフで予約無しを表わす。予約フラグ44がオンとなる条件は、顧客端末での「予約依頼」ボタンの選択に続いて入力される出金金額が中央処理装置4の顧客管理データベースの預金残高43以下の時である。なお、再び予約フラグ44がオフとなる条件は中央処理装置4での終結処理が終了した時と後述の中央処理装置4の顧客管理データベースの有効期限が超過した時と同有効期限以内に顧客端末もしくは自動取引装置8での「予約取消」のボタンを選択した時等である。  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.

37は予約依頼時の出金金額と、38はその時の金種別出金枚数であり、後述の中央処理装置4の顧客管理データベースの出金金額45と金種別出金枚数46と同一である。なお、顧客端末での金種別出金枚数の入力の有無に関しては、顧客の選択による。  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.

39は処理時刻であり、後述の中央処理装置4の顧客管理データベースの処理時刻47と同一である。処理時刻47は予約処理時や終結処理時や取消処理時に現時刻が設定される。40は有効期限であり、後述の中央処理装置4の顧客管理データベースの有効期限48と同一である。有効期限48は予約処理時に設定され終結処理時にクリアされる。なお、有効期限48は中央処理装置4での終結処理が可能な期限として設定される。  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.

図5において、各記号の意味は42を除いて先述の図4での記述通りでありその説明を省略する。なお、42は暗証番号であり、口座番号41とその暗証番号42と、自動取引装置8から送信される口座番号と暗証番号とを比較照合により個人認証し予約処理情報を自動取引装置8に送信する。  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.

図6において、51は制御部で、後述の通信部,操作表示部、磁気カードリーダ,入出金部、印字部を含めた全体の動作をメモリ等で構成された記憶部52に記憶されたソフトウエアに基づいて制御する。53は通信部で、専用回線6を経由して、中央処理装置4の顧客管理データベースとの間で交信処理を行なう。54は操作表示部で、各種入力操作や各種表示を行なう。55は磁気カードリーダで、顧客が磁気カード7に記憶した情報を読み取り記憶部52に記憶する。56は入出金部で、中央処理装置4の顧客管理データベースの終結処理情報に基づいて入出金処理を行なう。57は印字部で、伝票発行機や通帳印字機からなり、中央処理装置4の顧客管理データベースの終結処理情報に基づいて印字を行なう。  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.

図7に示す実施例の予約処理を示すフローチャートを用い、Sで示すステップに従って説明する。本実施例においては、パソコン1での予約依頼時の出金金額を5万円とし、その金種別出金枚数を「5千円札」5枚、「千円札」20枚、「5百円硬貨」8枚、「百円硬貨」5枚、「50円硬貨」10枚とした時の中央処理装置4での予約処理とその予約処理情報を携帯電話2の電子メールアドレス宛に電子メールすることについて説明する。  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:パソコン1は当該金融機関が開設した図示しないホームページを閲覧し、入力したログインID及びパスワードとインターネット用顧客管理データベースのログインID31及びパスワード32との照合一致により個人認証し、顧客サーバ3へのログインを許可する。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:ログインが許可されると、操作表示部14は図示しない予約種別選択画面と出金金額入力画面と金種別出金枚数入力画面を表示する。予約種別選択画面には「予約依頼」、「予約照会」、「予約取消」等の予約種別を選択するボタンを表示し、出金金額入力画面には数値を入力する枠と「万円」、「千円」、「円」等の単位を選択するボタンを表示し、金種別出金枚数入力画面には「5千円札」、「千円札」、「5百円硬貨」、「百円硬貨」、「50円硬貨」等の金種の表示とその金種表示毎に設けられた出金枚数入力枠を表示する。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:顧客が予約種別選択画面の「予約依頼」ボタンを選択し、出金金額入力画面の数値を入力する枠に「5」を入力し、単位を選択するボタン「万円」を選択し、次に金種表示毎に設けられた出金枚数入力枠に5千円札「5」、千円札「20」、5百円硬貨「8」、百円硬貨「5」、50円硬貨「10」を各々入力し、顧客が出金金額と金種別出金枚数の合計金額が一致したことを確認し図示しない「確認」ボタンを選択する。なお、「確認」ボタンを選択する前に図示しない「修正」ボタンを選択すると上記の出金金額、金種別出金枚数、その合計金額の表示はクリアされ、最初からこれらの選択と入力が可能となる。又、「確認」ボタンを選択する前に図示しない「取消」ボタンを選択すると最初の当該金融機関が開設したホームページの表示に戻る。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:顧客サーバ3は上記の「確認」ボタンの選択によってそれらの情報をインターネット用顧客管理データベースの当該口座番号34に付属した出金金額37、金種別出金枚数38に一旦格納し、引き続きそれらの情報を中央処理装置4に転送する。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:中央処理装置4はその出金金額37が預金残高43以下であれば、予約処理として預金残高43をその出金金額37で減算更新し、出金金額37、金種別出金枚数38を各々の出金金額45、金種別出金枚数46に格納し処理時刻47を現時刻に設定し有効期限48を終結処理が不可となる時刻として設定し、予約フラグ44をオンにし、これらの予約処理情報を顧客サーバ3に送信する。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:顧客サーバ3は、これらの予約処理情報をインターネット用顧客管理データベースの各々のデータベースに一旦格納し、引き続きこの格納された予約処理情報をパソコン1に送信すると同時に携帯電話2の電子メールアドレス宛に電子メールする。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:パソコン1はこれらの予約処理情報を表示し、顧客の図示しない「戻る」ボタンの選択によって最初の当該金融機関が開設したホームページの表示に戻る。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:携帯電話2は電子メールされたこれらの予約処理情報を表示する。S08: The mobile phone 2 displays the reservation processing information e-mailed.

S09:なお、S05で予約フラグ44をオンにすると同時に、中央処理装置4は有効期限48を現時刻と比較照合しながら有効期限の監視を開始する。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:もし現時刻が有効期限48を超過した時は、取消処理として、預金残高43を出金金額45で加算し元の預金残高43に戻し、予約フラグ44をオフにし、出金金額46、金種別出金枚数47をクリアし、処理時刻47を現時刻に設定し、これらの取消処理情報を顧客サーバ3に送信する。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:顧客サーバ3はこれらの取消処理情報をインターネット用顧客管理データベースの各々のデータベースに一旦格納し、引き続きこの格納された取消処理情報を携帯電話2の電子メールアドレス宛に電子メールする。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:携帯電話2は電子メールされたこれらの取消処理情報を表示する。S12: The mobile phone 2 displays the cancellation processing information that has been e-mailed.

なお、S03において、顧客が予約種別選択画面の「予約照会」ボタンを選択すれば、中央処理装置4の顧客管理データベースの予約フラグ44のオン・オフの状態を確認し、もしオンであれば、S05での予約処理情報を顧客サーバ3経由でパソコン1に送信し表示する。もしオフであれば、図示しない予約無し表示情報を顧客サーバ3経由でパソコン1に送信し表示する。  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.

なお、S03において、顧客が予約種別選択画面の「予約取消」ボタンを選択すれば、中央処理装置4の顧客管理データベースの予約フラグ44のオン・オフの状態を確認し、もしオンであれば、S10での現時刻が有効期限48を超過した時と同様に、S10の取消処理とS11、S12の処理をする。もしオフであれば、図示しない予約無し表示情報を顧客サーバ3経由でパソコン1に送信し表示する。  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.

なお、S05において、出金金額37が預金残高43を超過していれば、預金残高不足表示を顧客サーバ3経由でパソコン1に送信し顧客に図示しない「予約修正」等の選択を促す。  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).

なお、S05及びS10での処理の結果は、顧客端末による「予約照会」等で確認できるとして、電子メールアドレス宛の電子メールは省略してもよい。  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.

図8に示す実施例の終結処理を示すフローチャートを用い、Sで示すステップに従って説明する。本実施例においては、パソコン1での予約処理後の、自動取引装置8での「予約済み出金」選択後の中央処理装置4との交信による、中央処理装置4での終結処理等による自動取引装置8での出金処理等について説明する。  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:自動取引装置8は図示しないセンサにより顧客の接近を検知すると操作表示部54に図示しない取引種別選択画面を表示する。この選択画面には「予約済み出金」、「予約取消」、「お引き出し」等の取引種別を選択するボタンを表示する。S22:顧客はこの選択画面の「予約済み出金」ボタンを選択すると制御部51は予約済み出金の取引を開始する。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:制御部51が予約済み出金の取引を開始すると操作表示部54は図示しない磁気カード挿入画面を表示する。S24:顧客が所持している磁気カード7を磁気カードリーダ55に挿入すると、磁気カードリーダ55は磁気カード7に記憶された口座番号を読み取り記憶部52に記憶する。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:操作表示部54は図示しない暗証番号入力誘導画面を表示する。S26:顧客が画面に表示された数字ボタン等を選択して暗証番号を入力すると制御部51は通信部53の制御により専用回線6を介して記憶部52に記憶された口座番号及び入力された暗証番号を中央処理装置4へ送信する。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:中央処理装置4は自動取引装置8から受信した口座番号及び暗証番号と顧客管理データベースの口座番号41及び暗証番号42との照合一致により個人認証し、顧客管理データベースの予約フラグ44のオン・オフの状態を確認し、もしオンであれば、S05の時点での予約処理情報を自動取引装置8に送信する。もしオフであれば、図示しない予約無し表示情報を自動取引装置8に送信し表示する。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:自動取引装置8の制御部51は予約処理情報を受信すると操作表示部54は図示しない上記の予約処理情報を表示する。S29:顧客が「確認」ボタンを選択すれば、図示しない確認選択情報が中央処理装置4に送信される。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:中央処理装置4は確認選択情報を受信すると終結処理として、顧客管理データベースの処理時刻47を現時刻に変更し、予約フラグ44をオフして、その他の預金残高43、出金金額45、金種別出金枚数46、有効期限48と共に、この終結処理情報を自動取引装置8に送信する。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:自動取引装置8の制御部51はこの終結処理情報を受信すると操作表示部54は図示しない上記の終結処理情報の表示し、顧客が「確認」ボタンを選択すると、入出金部56は引出金額45もしくは金種別出金枚数46に相当する現金を紙幣入出金部および硬貨入出金部へ搬送し、印字部57は終結処理情報等を印字し、操作表示部54は図示しない現金と磁気カードの受け取り画面を表示して顧客に現金と磁気カードの受け取りを促す。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:顧客は紙幣入出金部および硬貨入出金部へ搬送された現金と返却された磁気カードを受け取り自動取引装置8での取引は終結する。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.

なお、S29において、顧客が「取消」ボタンを選択すれば、図示しない取消選択情報が中央処理装置4に送信され、中央処理装置4はS10の時点での現時刻が有効期限48を超過した時と同様に、取消処理として、預金残高43を出金金額45で加算し元の預金残高43に戻し、予約フラグ44をオフにし、出金金額46、金種別出金枚数47をクリアし、処理時刻47を現時刻に設定し、この取消処理情報を自動取引装置8及び顧客サーバ3に送信する。自動取引装置8は図示しない取消処理表示をして顧客に「確認」ボタンの選択させ自動取引装置8は磁気カードを返却し初期状態に戻る。  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.

以上説明したように、従来の自動取引装置と中央処理装置との交信による取引の連続処理を、顧客端末と顧客サーバを経由した中央処理装置との交信による予約処理と、自動取引装置と中央処理装置との交信による終結処理とに分割することにより、自動取引装置で顧客操作が簡略化され客待ち時間が短縮化され、同時に自動取引装置の稼働率が向上する。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.

なお、自動取引装置8での操作ステップおよび中央処理装置4の処理ステップにおいて、S22、S23、S25を省略し、S26とS27での暗証番号の入力とその比較照合を省略し、S28での顧客の「確認」ボタンの選択を省略すれば、自動取引装置8での終結処理は顧客が磁気カードを磁気カードリーダに挿入しただけで予約で依頼した引出金額45もしくは金種別出金枚数46に相当する現金を受け取ることができ、大幅な操作時間の短縮が図れる。  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.

また、予約処理において、パソコン1に代えて携帯電話2で行ない、終結処理において、磁気カードに代えて、出願人が先の提案した特願2009−197341(携帯電話番号による取引処理システム)に記述の携帯電話番号を記憶した非接触型ICカードを内蔵している携帯電話とその携帯電話番号を読み取るICカードリーダを備えた自動取引装置の構成により、携帯電話のみでの予約処理と終結処理が可能となり、顧客の利便性は更に大きく向上する。  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.

なお、中央処理装置の顧客管理データベースに予約番号を追加してもよい。この追加により、顧客の当該金融機関への予約状況等の問合せやその応答に便利である。  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.

実施例のシステム構成図  System configuration diagram of the embodiment 実施例のパソコンのブロック図  Block diagram of the personal computer of the embodiment 実施例の携帯電話のブロック図  Block diagram of the mobile phone of the embodiment 実施例の顧客サーバのインターネット用顧客管理データベースのデータ構成図  Data configuration diagram of customer management database for Internet of customer server of embodiment 実施例の中央処理装置の顧客管理データベースのシステム構成図  System configuration diagram of customer management database of central processing unit of embodiment 実施例の自動取引装置のブロック図  Block diagram of the automatic transaction apparatus of the embodiment 実施例の予約処理を示すフローチャート  The flowchart which shows the reservation processing of an Example 実施例の終結処理を示すフローチャート  The flowchart which shows the termination process of an Example

1 パソコン
2 携帯電話
3 顧客サーバ
4 中央処理装置
5 インターネット
6 専用回線
7 磁気カード
8 自動取引装置
11 制御部
12 記憶部
13 通信部
14 操作表示部
31 ログインID
32 パスワード
33 電子メールアドレス
34 口座番号
35 預金残高
36 予約フラグ
37 出金金額
38 金種別出金枚数
39 処理時刻
40 有効期限
42 暗証番号
51 制御部
55 磁気カードリーダ
56 入出金部
57 印字部
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)

パソコン(1)や携帯電話(2)等の顧客端末は、インターネット(5)経由でログインID(31))やパスワード(32)や口座番号(34)等の顧客番号や預金残高(35)や予約フラグ(36)や出金金額(37)や処理時刻(39)や有効期限(40)等を記憶したインターネット用顧客管理データベースを備えた顧客サーバ(3)に接続され、その顧客サーバ(3)は、専用回線(6)もしくはインターネット経由で顧客番号や有効期限(48)等上記と同一の情報や暗証番号(42)等の個人認証情報を記憶した顧客管理データベースを備えた中央処理装置(4)に接続され、その中央処理装置(4)は、専用回線(6)もしくはインターネット経由で上記と同一の顧客番号を記憶した磁気カード(7)やICカードや携帯電話等の顧客所持媒体の記憶情報を読み取る磁気カードリーダ(55)等の媒体リーダや入出金部等を備えた自動取引装置(8)に接続されているシステム構成にあって、先ず、顧客端末において、顧客のログインID(31)とパスワード(32)の入力による顧客サーバへのログインと、顧客の出金金額等の入力による中央処理装置(4)の顧客管理データベースでの預金残高(43)の更新と予約フラグ(44)のオン設定と有効期限(48)の設定等の予約処理を行ない、次に、自動取引装置(8)において、顧客の予約済み出金等の取引種別の選択と顧客所持媒体の媒体リーダへの挿入等による顧客番号の読み取りと個人認証情報の入力等によって、中央処理装置(4)の顧客管理データベースでの個人認証を行ない、予約処理情報を自動取引装置(8)に送信し、顧客の予約処理情報の確認によって中央処理装置(4)の顧客管理データベースでの終結処理を行ない、その終結処理情報を自動取引装置(8)に送信し、自動取引装置(8)は、その終結処理情報に基づいて出金処理等を行なうことを特徴とする予約取引処理システムとその予約取引処理方法。  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. 上記の自動取引装置(8)において、顧客による取引種別の選択と個人認証情報の入力及び予約処理情報の確認の各行為の内、いずれか1つの以上の行為とそれに伴う自動取引装置(8)や中央処理装置(4)の処理を省略することを特徴とする請求項目1記載の予約取引処理システムとその予約取引処理方法。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.
JP2009233849A 2009-09-11 2009-09-11 Reservation transaction processing system Pending JP2011060257A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2017199435A (en) * 2017-08-09 2017-11-02 株式会社エヌ・ティ・ティ・データ Automatic cash transaction system, management server device, automatic cash transaction method, and program
JP2017215740A (en) * 2016-05-31 2017-12-07 株式会社三井住友銀行 Foreign currency exchange system, method, and program

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2017215740A (en) * 2016-05-31 2017-12-07 株式会社三井住友銀行 Foreign currency exchange system, method, and program
JP2017199435A (en) * 2017-08-09 2017-11-02 株式会社エヌ・ティ・ティ・データ Automatic cash transaction system, management server device, automatic cash transaction method, and program

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