JP2015125757A - Common business processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To share a function of a consumer transaction facility by plural financial institutions and financial institution systems.SOLUTION: A common business processing system comprises: unique business applications 26 respectively disposed on plural financial systems independently, and controlling a consumer transaction facility 12; and a remote web server 16 connected to the consumer transaction facility 12 via a network 24. The remote web server 16 has a common business application 60 for processing of business common to the plural financial systems. The common business application 60 stores a result of processing to a storage device after including the result to transaction data 64 having a common specification. The transaction data 64 having a common specification with a settlement request is transmitted to a counting host computer 22 of the corresponding financial system via a gateway server. The gateway server 20 performs processing for converting the transaction data 64 having a common specification with the settlement request into transaction data 54 having a unique specification which can be translated by the counting host computer 22 and then transferring the transaction data 54.

Description

  The present invention relates to a common business processing system that allows a plurality of financial systems to execute a common business by using an arbitrary automatic transaction apparatus in which different types of financial systems have their own control.

  An automatic transaction apparatus (ATM) widely used in financial institutions is controlled by each financial institution with its own control program. However, for the convenience of users, it has been widely used to use automatic transaction apparatuses of a plurality of financial institutions for the withdrawal of deposits and savings. In addition, automatic transaction devices of various financial institutions are often installed close together. In addition, there are cases where multiple financial systems are tentatively operated in parallel due to the merger of financial institutions. In such a case, it is uneconomical to manage the automatic transaction apparatus individually for each financial system. Therefore, the automatic transaction apparatuses of a plurality of financial institutions are collectively monitored and managed. For this reason, a system for providing a management application dedicated to hardware management has been developed (Patent Document 1).

Japanese Patent No. 5187937

The known prior art has the following problems to be solved.
Each financial institution has independently developed a computer program for controlling transaction processing of an automatic transaction apparatus. However, for example, a process such as donation (donation solicitation) is a uniform process in which what is deposited in an automatic transaction apparatus of each financial institution is transferred to a designated common account. This process is almost common to all financial institutions. The more automatic transaction devices that accept donations, the better, but it is uneconomical for each financial institution to perform the work of incorporating a computer program into its own financial system. This is especially true for computer programs that are temporarily adopted and then deleted.
In order to solve the above problems, an object of the present invention is to provide the following common business processing system.
(1) Realize the addition and change of common new business to existing financial system quickly and at low cost.
(2) When a plurality of financial institutions use it, or when a plurality of financial systems coexist within one financial institution, a common new business addition change is realized at low cost.
(3) Providing an independent shared system that can be shared by multiple financial systems for work that is common to multiple financial systems, such as those that are not expected to be used permanently To do.
(4) The automatic transaction apparatus can use the thing of each financial system as it is.

  The following configurations are means for solving the above-described problems.

<Configuration 1>
An automatic transaction apparatus for executing transaction processing in a financial system;
A unique business application that is uniquely provided for a plurality of financial systems and that controls the transaction processing within the automatic transaction apparatus or through the network,
A remote web server connected to the automatic transaction apparatus via a network;
The remote web server is provided with a common business application for controlling business processing by an automatic transaction apparatus common to the plurality of financial systems,
When the transaction processing by the automatic transaction device unique to each financial system is completed, the above specific business application stores the transaction data of the specific specification in the storage device, and the settlement system or the transaction data of the specific specification is stored in the account system of the corresponding financial system. Send it to the host computer,
The common business application includes the result of processing by the automatic transaction apparatus common to the plurality of financial systems, the transaction data having a common specification different from the transaction data having a specific specification, stored in a storage device, and a settlement request or Send the transaction data of the common specification to the accounting system host computer of the corresponding financial system via the gateway server,
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. Common business processing system.

<Configuration 2>
While the automatic transaction apparatus is controlled by the specific business application and executes transaction processing, a button for starting the common business application is provided in a screen displayed on the display device. The common business processing system according to Configuration 1.

<Configuration 3>
To a remote web server connected via a network with multiple automatic transaction devices that are operated by multiple financial systems,
A common business application for controlling business processing by the automatic transaction apparatus common to the plurality of financial systems is provided,
The common business application includes a result of processing performed by the automatic transaction device common to the plurality of financial systems in the common specification transaction data and stores the result in the storage device, and the settlement request or the common specification transaction data is stored in the gateway server. To the corresponding financial system account host computer via
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. The common business processing system according to any one of configurations 1 and 2.

<Configuration 4>
The gateway server controls the automatic transaction apparatus based on the specific control data received from the specific terminal device, and the transaction data of the common specification obtained as a result of the transaction is transmitted to the specific terminal device. Settlement data with specific specifications of each financial system that can be converted into transaction data and sent, and the settlement request received from the specific terminal device and transaction data with specific specifications can be interpreted by the accounting host computer of the corresponding financial system 4. The common job processing system according to any one of configurations 1 to 3, wherein the common job processing system is converted into a data and transferred.

<Configuration 5>
A common remote web server and a gateway server are provided in a center server connected through a network with a plurality of automatic transaction apparatuses respectively operated by a plurality of financial institutions,
The common remote web server is provided with a common business application for controlling business processing by an automatic transaction apparatus common to the plurality of financial institutions,
The common business application includes a result of processing performed by the automatic transaction device common to the plurality of financial systems in the common specification transaction data and stores the result in the storage device, and the settlement request or the common specification transaction data is stored in the gateway server. To the corresponding financial system account host computer via
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. The common business processing system according to any one of configurations 1 to 4.

<Configuration 6>
The gateway server converts the transaction data of the settlement request or the common specification into transaction data of a specific specification that can be interpreted by the account host computer of the corresponding financial system, and generates settlement data by the settlement request to generate the financial data. 6. The common business processing system according to configuration 5, wherein the system is transmitted to an institutional accounting host computer.

<Configuration 7>
A remote web server that is started by a processing request operation for a common business by an automatic transaction device, processes a common business for an automatic transaction device operated by multiple financial systems, and converts the result into transaction data of a common specification A computer program that causes a computer to function as a common business application that is stored in a storage device and sends settlement request or transaction data of common specifications to a billing host computer of a financial system.
<Configuration 8>
A computer-readable recording medium on which the computer program according to Configuration 7 is recorded.

<Effect of Configuration 1>
For business common to a plurality of financial systems, the automatic transaction apparatus of each financial system can request the common business application of the remote web server to process it. Therefore, it is not necessary for each financial system to individually install a computer program in the automatic transaction apparatus for the common business.
<Effect of Configuration 2>
If a button for starting the common business application is provided on the display screen of the automatic transaction apparatus, the common business can be processed seamlessly without distinction between the specific business and the common business.
<Effect of Configuration 3>
Any number of financial systems can be connected to a remote web server.
<Effect of Configuration 4>
Various payment services can be provided to other than the financial system through the gateway server.
<Effect of Configuration 5>
Arbitrary financial institutions can be connected to the center server for operation.
<Effect of Configuration 6>
The gateway server can process settlement requests between financial institutions in real time.

1 is a block diagram illustrating a common business processing system according to a first embodiment. It is a block diagram which shows the specific internal structure of an automatic transaction apparatus. It is a block diagram for demonstrating the structure and function of a gateway server. It is a block diagram which shows the structure of a further multifunctional system. 1 is a network configuration diagram of a system of Example 1. FIG. FIG. 6 is a network configuration diagram of Example 3. 7 is a flowchart of normal transaction processing specific to a financial institution by a specific business application of the system according to the first exemplary embodiment. 6 is a flowchart when a common job process is executed in the first embodiment. 10 is a flowchart illustrating the operation of the system according to the third embodiment.

  Hereinafter, embodiments of the present invention will be described in detail for each example.

FIG. 1 is a block diagram illustrating a common job processing system according to the first embodiment.
This common business processing system 10 is for controlling and managing an automatic transaction apparatus 12 for executing transaction processing such as deposit and withdrawal of deposits and savings in a financial system. The automatic transaction apparatus 12 is provided separately for each financial system. The figure shows one of them. In the figure, an automatic transaction apparatus 12, a financial institution 14, and a remote web server 16 are connected to a network 24.

  In this embodiment, the financial system is a computer system that manages deposit and saving transactions and settlement processing provided for each financial institution. When multiple financial institutions merge, multiple financial systems may coexist within a single financial institution.

[Automatic transaction equipment]
The automatic transaction apparatus 12 is controlled by a specific business application 26 and a management application 28. The unique business application 26 is uniquely provided for each financial system, and has a function of controlling transaction processing inside the automatic transaction apparatus 12 or through the network 24. When the transaction process is completed, the unique business application 26 executes a process of storing the transaction data 54 with the unique specification in the business storage device 52.

  Further, the unique business application 26 stores in the management storage device 56 the transaction data 54 used by the management application 28 in a predetermined format. This is management transaction data 58. The management application 28 has a function of executing maintenance management work such as maintenance and operation monitoring of the automatic transaction apparatus 12 using the management transaction data 58 stored in the management storage device 56.

  An operation screen operated by the user is displayed on the display device 30 of the automatic transaction apparatus 12. The operation screen is controlled by the browser 32 under the control of the specific business application 26. The automatic control device 40 that executes cash deposit / withdrawal processing is controlled through the application interface 34 and the middleware 36. These operations are described in detail in Patent Document 1. Details will be described later with reference to FIG.

[Remote Web Server]
The remote web server 16 connected to the automatic transaction apparatus 12 through the network 24 is provided with a common business application 60 and a business storage device 62. The common business application 60 has a function of processing business common to a plurality of financial systems, for example, a plurality of different financial institutions 14.

  The common business is, for example, a business in which an arbitrary automatic transaction apparatus 12 receives a donation to a specific account of any financial institution 14. Since the process of depositing donations is temporary rather than stationary, it is uneconomical to add functions individually to the specific business application 26 of each financial institution 14 individually. In addition, operations such as deposit processing of donations will be executed by the automatic transaction apparatus 12 of any financial institution 14 in exactly the same manner. Therefore, it is efficient for the common business application 60 provided in the remote web server 16 to execute this processing.

  The business storage device 62 of the remote web server 16 stores common specification transaction data 64 required by the common business application 60 for its processing. When the user selects a common job on the transaction screen displayed on the display device 30 by the browser 32, the common job application 60 is activated. The common business application 60 has a function of distinguishing the processing result from the transaction data of the individual specification and including it in the transaction data 64 of the common specification and storing it in the storage device.

[Gateway server]
The gateway server 20 has a function of converting the transaction data 64 of the common specification transmitted together with the settlement request from the common business application 60 into the transaction data unique to each settlement institution's financial institution 14 and transferring the transaction data to each of the institution 14. have. As a result, the settlement request can be processed in real time not only inside the financial institution but also between different financial institutions.

  The transaction management server 18 includes a transaction management application 66 and a transaction management storage device 68. The transaction management application 66 has a function of acquiring and storing payment data 70 including a transaction log of a payment request using this system and payment information. As a result, the history of payment requests executed via the gateway server 20 can be accumulated. Further, for example, the settlement data 70 included in the settlement request received via the gateway server 20 can be stored in the transaction management storage device 68 before being transferred to each financial institution 14. In this case, the transaction management application 66 transfers the settlement data 70 to each financial institution 14 by batch processing at an appropriate timing thereafter. This is to suppress the concentration of communication traffic. It is preferable for the transaction management server 18 to be able to perform one of the two types of operations as described above.

  The system of FIG. 1 not only controls the transaction business and settlement processing of a plurality of automatic transaction apparatuses, but can accept payment service requests of various service provider systems. For example, a settlement operation request can be received from a company operating a website for online sales. The particular terminal device 72 in the figure shows such a company terminal device. The terminal device in this case includes a company host computer and server.

  The gateway server 20 converts the settlement request and transaction data transmitted from the common business application 60 as described above. Furthermore, a settlement request or transaction data transmitted from a specific terminal device 72 is converted. For this purpose, data such as a conversion table (not shown) is held. The gateway server has this function and its name does not matter.

  The system of the first embodiment described above operates as follows. For example, when a donation is deposited using the automatic transaction apparatus 12 of bank A, the specific business application 26 of the automatic transaction apparatus 12 passes the processing to the common business application 60 of the remote web server 16. The common business application 60 controls the deposit process, and stores the deposit process data and the remittance process data in the storage device as transaction data 64 having a common specification.

  The common business application 60 transfers transaction data 64 having a common specification together with the settlement request to the corresponding financial institution 14 via the gateway server 20. The gateway server 20 converts the transaction data 64 of the common specification into settlement data 70 unique to the financial institution 14 and transfers it. The transaction management server 18 writes the settlement data 70 in the storage device 68 as the history.

  Bank A receives the data required for the settlement by the account host computer 22 and completes the record of the deposit process by the corresponding automatic transaction apparatus 12 and the process of sending the donation to the corresponding account. Since the common business application 60 processes business common to a plurality of financial institutions in this way, the transaction screen displayed on the automatic transaction apparatus may be completely the same. However, if there is a unique specification for each financial institution, even if it is a common business, a transaction control screen is prepared separately after the financial institution, and the common business application 60 selects one of them. Process.

[Transaction control of automatic transaction equipment]
FIG. 2 is a block diagram showing a specific internal structure of the automatic transaction apparatus.
The computer 38 is for controlling the automatic transaction apparatus 12. The computer 38 is provided with a specific business application 26, a management application 28, a browser 32, an application interface 34, and middleware 36. These are constituted by the arithmetic processing unit of the computer 38. The business storage device 52 of the computer 38 stores transaction data 54 with specific specifications. The management storage device 56 stores management transaction data 58.

  As already described, when the specific business application 26 controls transaction processing, the display screen 48 is displayed on the browser 32. The display screen 48 includes several buttons for well-known deposit and saving operations. Further, an activation button 50 is provided for the operation of the remote web server 16 already described. The activation button 50 is displayed with, for example, “other transaction”. When a new transaction is added to the common business application, various screens corresponding to the common business application are displayed.

  The common business application 60 described above is activated by operating the button 50 “other transaction”. In the example of this figure, the automatic control device 40 is provided with an automatic cash dispenser 42, a card reader / writer 44, and a passbook printer 46. For example, when the specific business application 26 generates a command for operating the automatic cash dispenser 42, this command is sent to the middleware 36 through the application interface 34.

  The application interface 34 has a function of generating a command that can be interpreted by the middleware 36. The middleware 36 operates the cash automatic depositing / dispensing machine 42, for example, according to the command received from the application interface 34, and executes the cash depositing process. The commands output from the common business application, the specific business application, and the management application may be sent directly to the application interface 34 or may be sent via the browser 32. The same applies to the response path from the middleware 36. Other operations are as described above.

[Gateway server and payment service]
FIG. 3 is a block diagram for explaining the configuration and functions of the gateway server 20.
In the first embodiment, the gateway server 20 functions as a collection of interfaces that enable individual communication with a plurality of financial institutions. In this embodiment, the gateway server 20 includes a gateway application 74, a payment processing interface 76, a service A interface 78, and a service B interface 80. As a result, an interface with a system other than a financial institution or a terminal device is also provided.

  As described with reference to FIG. 1, the result of the transaction processing by the specific business application 26 is directly reported to the financial institution 14. On the other hand, the result of the processing executed by the common business application 60 of the remote web server 16 is reported to the billing system host computer 22 of the financial institution 14 via the gateway server 20.

  The gateway application 74 in FIG. 3 has a function of converting the transaction data 64 of the common specification transferred from the remote web server 16 into transaction data that can be handled by the accounting host computer 22. Further, the payment processing interface 76 has a function of generating payment data 70 that can be handled by the account host computer 22 when the processing of the common business application 60 involves payment processing. When the settlement data 70 or the like is transferred to the account host computer 22, the result is transferred to the transaction management server 18 for history management.

  Furthermore, in this embodiment, for example, systems of service providers A and B that manage a mail order site or the like are connected to the gateway server 20. The service A interface 78 has a function of controlling communication between the specific terminal devices 72A and 72 and the remote web server 16 and communication between the specific terminal device 72A.

  For example, the common business application 60 (FIG. 1) of the remote web server 16 uses the specific control data 84A of the specific terminal device 72A to make a payment for mail order using the automatic transaction apparatus 12 (FIG. 1). Processing can be executed. A screen necessary for the settlement process is displayed on the display device 30 (FIG. 1) of the automatic transaction apparatus 12 by the specific control data 84A. As a result of the settlement process, transaction data 82A having a specific specification is generated.

  The transaction data 82A of this specific specification is transmitted to the account host computer 22 of the financial institution 14 through the service A interface 78 and the settlement processing interface 76. In this example, two specific terminal devices 72A and 72B are connected to the gateway server 20, but the same settlement service can be provided to any number of external systems. In both cases of the first embodiment and the second embodiment, it is not necessary to distinguish between the remote web server 16 and the transaction management server 18. For example, in FIG. The transaction management server 18 may be integrated with the remote web server 16 as long as it has the function of the transaction management application 66 of the management server 18 and the business storage device 62 has the function of the transaction management storage device 68.

FIG. 4 is a block diagram showing the configuration of a more multifunctional system.
The center server 86 is a server that is shared by a plurality of arbitrary financial institutions 14. The center server 86 is provided with a common remote web server 16R, a gateway server 20, and a transaction management server 18. The structure of the common remote web server 16R, the structure of the gateway server 20, and the structure of the transaction management server 18 are the same as those of the embodiments described above.

  The center server 86 is connected to the remote web server 16P of the financial institution 14P and the account host computer 22 of the financial institution 14P. An automatic transaction apparatus 12P of a financial institution 14P is connected to the remote web server 16P. The remote web server 16P and the remote web server 16Q may be omitted. That is, the automatic transaction apparatus of each financial institution may be directly connected to the center server 86.

  The configuration of the automatic transaction apparatus 12P of the financial institution 14P and the remote web server 16P and the relationship between them are the same as those in FIG. In this case, the common business application 60 (FIG. 1) of the remote web server 16P processes the common business when a plurality of financial systems exist inside the financial institution 14P. Alternatively, the common business application 60 (FIG. 1) processes temporary business other than the normal business of the automatic transaction apparatus 12P.

  In addition to the financial institution 14P, the center server 86 is connected to the remote web server 16Q of the financial institution 14Q and the accounting host computer 22Q. These also have exactly the same function. It is assumed that the remote web server 16P can request payment by directly transmitting payment data to the account host computer 22P of the financial institution 14P. The same applies to the remote web server 16Q of the financial institution 14Q.

  Here, in the third embodiment, a plurality of automatic transaction apparatuses managed by a plurality of financial institutions are connected to the center server 86 and can request a certain work. In this figure, the network diagram is omitted. In the figure, a remote web server 16P of a financial institution 14P and an account host computer 22P are connected to a center server 86. Further, the remote web server 16Q of the financial institution 14Q and the account host computer 22Q are connected to the center server 86.

  The common business application 60 of the common remote web server 16R provided in the center server 86 executes a transaction business common to the financial institutions 14P and Q that commonly use the center server 86. Further, the gateway server 20 has a function of reporting the result of the common transaction processing processed by the common remote web server 16R to one of the accounting host computers of the financial institutions 14P and Q.

  That is, the common remote web server 16R of the center server 86 has a common business application 60 that executes business processing common to a plurality of connected financial institutions P and Q, and transaction data 64 of common specifications obtained as a result of the processing. Is provided with a business storage device 62. Further, the gateway server 20 of the center server 86 has a function of converting the transaction data 64 having common specifications and the data for requesting settlement into settlement data 70 specific to a designated financial institution. The transaction management server 18 of the center server 86 acquires and stores the settlement processing history.

  For example, when a common service is selected on the operation screen of the automatic transaction apparatus 12 of the financial institution P, the request is received by the common remote web server 16R of the center server 86 through the remote web server 16P. As a result, the common business application 60 is activated and common business processing is executed. The gateway server 20 of the center server 86 functions as described above.

  The common business application 60 can directly control the operation screen of the automatic transaction apparatus 12 of the financial institution P. When this transaction is completed, transaction data 64 with common specifications is generated and stored in the business storage device 62. The transaction data 64 having the common specifications is transmitted to the accounting system host computer of the financial institution via the gateway server 20. Note that the transaction data 64 of the common specification includes designation of a financial institution that performs settlement processing.

  The gateway server 20 generates settlement data 70 unique to the designated financial institution, and transmits a settlement request to the designated host computer 22P of the designated financial institution P, for example. This completes the settlement process in the financial institution P. In this way, the center server 86 allows any financial institution to cause the center server 86 to process a common task.

  The center server 86 can provide a settlement service by connecting a specific terminal device 72 as well as that of the financial institution 14. For example, an investment company can be entrusted with a transaction business using an automatic transaction apparatus 12 of a bank. The common business application 60 of the common remote web server 16R controls the automatic transaction apparatus 12 by the specific control data 84 received from the specific terminal device 72. For example, it is possible to adopt a procedure in which a button for starting a business other than deposit and saving transaction is provided on the menu screen of the automatic transaction apparatus, and when the user operates the button, control data is requested from a specific terminal apparatus. That is, the function of the automatic transaction apparatus can be expanded.

  The common business application 60 stores the result of processing by control of a specific terminal device 72 in the business storage device 62 as transaction data 64 of common specifications. The common business application 60 requests the gateway server 20 to transmit the processing result to, for example, a specific terminal device 72A. The gateway server 20 converts the transaction data 64 of the common specification processed by the common remote web server 16R into data in a request format, and transmits it to a specific terminal device 72A.

  Further, the gateway server 20 operates to convert the payment request received from the specific terminal device 72A and the transaction data 82 having a specific specification into the payment data 70 for the corresponding financial system. The transaction management server 18 stores the settlement data 70 in the transaction management storage device 68. At the same time, the gateway server 20 transmits a settlement request to the account host computer 22P of the financial institution P, for example. This completes the settlement process in the financial institution P.

  Further, for example, it is assumed that an investor wishes to transfer a predetermined amount of money from an account of a certain financial institution to an account of a consignee of transaction business. The transaction business consignee transmits data requesting the corresponding financial institution to transfer money from the investor's account to the transaction business consignee account. This data is transaction data of a specific specification. Transaction data of a specific specification is converted into settlement data of the corresponding financial institution by the gateway server 20 and transferred to the account host computer of the financial institution P.

  When the data required for settlement is transferred to the corresponding financial institution host computer and the history is stored and saved by the transaction management server 18, the settlement processing is completed. Thus, only the gateway server 20 and the transaction management server 18 of the center server 86 can be used for the settlement service.

FIG. 5 is a network configuration diagram of the system according to the first embodiment, and FIG. 6 is a network configuration diagram according to the third embodiment.
As shown in FIG. 5, a plurality of automatic transaction apparatuses 12 are managed by a remote web server 16. Further, the transaction data 64 of the common specification processed inside the remote web server 16 is transmitted to the accounting system host computer 22 via the gateway server 20. As in the existing system, the automatic transaction apparatus 12 and the account host computer 22 are directly connected via a network as shown by a broken line to execute a deposit / save transaction process.

  As shown in FIG. 6, the transaction data 64 of the common specification generated by the remote web server 16P or Q is sent to the account host computer 22P or the account via the common remote web server 16R of the center server 86 and the gateway server 20. Is transmitted to the host computer 22Q. The specific terminal device 72A and the specific terminal device 72B receive services such as payment processing via the gateway server 20. Note that the role of the remote web server 16P or Q can be assigned to a specific business application inside the financial institution 14P or Q. In this case, the remote web server 16P or Q need not be provided. Hereinafter, a basic operation flowchart of these systems will be described.

FIG. 7 is a flowchart of normal transaction processing specific to a financial institution by the specific business application 26 of the system of the first embodiment.
In step S11, the specific business application 26 displays an operation screen. In step S12, it is determined on the operation screen whether or not a specific business such as deposit / withdrawal processing of the bank account has been started. If the result of this determination is yes, the process proceeds to step S13. When the answer is no, that is, when a common job start request is issued, the process proceeds to step S22 in FIG.

  In step S13, the unique business application 26 is activated. In step S <b> 14, screen display control for the corresponding transaction is performed by the browser 32. In step S15, for example, a device such as an automatic cash deposit / withdrawal apparatus is controlled. In step S16, it is determined whether the requested transaction process is completed. If the result of this determination is yes, the process proceeds to step S17, and if no, the process returns to step S14.

  In step S <b> 17, the unique business application 26 saves the transaction data 54 with unique specifications in the business storage device 52. In step S <b> 18, the unique business application 26 transmits the transaction data to the account host computer 22. After that, the unique business application 26 performs processing for converting the transaction data 54 of the specific specification into management transaction data 58 and storing it in the management storage device 56. This operation is an element of the present invention. Since it is not, description is abbreviate | omitted.

FIG. 8 is a flowchart in the case of executing a common job process in the first embodiment.
In step S <b> 21, the operation screen is displayed under the control of the specific business application 26. In step S22, the specific business application 26 determines whether or not the button 50 for starting the common business shown in FIG. 2 has been operated. If the result of this determination is yes, the process proceeds to step S23, and if no, the process does not proceed to the following process.

  In step S23, the common business application 60 is activated. In step S24, the common business application 60 controls the display of the transaction screen using the browser 32. In step S25, for example, a device such as an automatic cash deposit / withdrawal apparatus is controlled. In step S26, it is determined whether or not the common transaction process has been completed. If the result of this determination is yes, the process proceeds to step S27, and if no, the process returns to step S24.

  In step S <b> 27, common specification transaction data 64 is stored in the business storage device 62. Subsequently, in step S28, the common business application 60 transmits a settlement processing request to the gateway server 20 together with the transaction data 64 of the common specification. In step S29, the gateway server 20 converts the transaction data 64 of the common specification, and transmits the settlement processing request to the account host computer 22 in step S30. This completes the payment process.

FIG. 9 is a flowchart illustrating the operation of the system according to the third embodiment.
The common work processing procedure by the common remote web server 16R of the third embodiment is the same as that of the remote web server 16 of the first embodiment described with reference to FIG. Therefore, FIG. 9 illustrates a processing procedure when there is a settlement request from a specific terminal device 72 in the second and third embodiments. For example, a case where a specific terminal device 72A requests a predetermined process using the automatic transaction apparatus 12 will be described.

  The specific terminal device 72A transmits specific control data to the gateway server 20 in step S31 of FIG. In step S32, the service interface 78 transfers the control data to the common remote web server 16R via the gateway application 74. In the common remote web server 16R, the common business application 60 is activated in step S33. In step S34, the common business application 60 performs specific transaction control by the automatic transaction apparatus 12 in the manner already described.

  In step S35, it is determined whether or not the transaction has been completed. If the result of this determination is yes, the process proceeds to step S36, and if no, the process returns to step S34. In step S 36, transaction data having a specific specification is temporarily stored in the business storage device 62. In step S37, the common business application 60 transmits a settlement processing request to the gateway server 20.

  In step S38, the transaction management application 66 of the transaction management server 18 is activated. In step S39, the gateway server 20 converts the settlement processing request and transmits it to the account host computer. The center server 86 processes only a settlement processing request that does not use the automatic transaction apparatus 12. At this time, the procedure proceeds directly from step S32 in FIG. 9 to step S37.

  In each of the systems of the above-described embodiments, each application may be operated inside a device such as an automatic transaction device or may be operated on a server by a so-called cloud system. The type of storage device is arbitrary, and the storage device may be in a location connected via a network.

DESCRIPTION OF SYMBOLS 10 Common business processing system 12 Automatic transaction apparatus 14 Financial institution 16 Remote web server 18 Transaction management server 20 Gateway server 22 Account system host computer 24 Network 26 Specific business application 28 Management application 30 Display apparatus 32 Browser 34 Application interface 36 Middleware 38 Computer 40 Automatic Control Device 42 Automatic Cash Deposit / Withdrawal Machine 44 Card Reader / Writer 46 Passbook Printer 48 Display Screen 50 Start Button 52 Business Storage Device 54 Specific Transaction Data 56 Management Storage Device 58 Management Transaction Data 60 Common Business Application 62 Business Storage device 64 common transaction data 66 transaction management application 68 transaction management storage device 70 settlement data 72 specific terminal device 74 game Way applications 76 payment processing interface 78 of the service A interface 80 service B interface 82 particular specification transaction data 84 specific control data 86 center server

Claims (8)

An automatic transaction apparatus for executing transaction processing in a financial system;
A unique business application that is uniquely provided for a plurality of financial systems and that controls the transaction processing within the automatic transaction apparatus or through the network,
A remote web server connected to the automatic transaction apparatus via a network;
The remote web server is provided with a common business application for controlling business processing by an automatic transaction apparatus common to the plurality of financial systems,
When the transaction processing by the automatic transaction device unique to each financial system is completed, the above specific business application stores the transaction data of the specific specification in the storage device, and the settlement system or the transaction data of the specific specification is stored in the account system of the corresponding financial system. Send it to the host computer,
The common business application includes the result of processing by the automatic transaction apparatus common to the plurality of financial systems, the transaction data having a common specification different from the transaction data having a specific specification, stored in a storage device, and a settlement request or Send the transaction data of the common specification to the accounting system host computer of the corresponding financial system via the gateway server,
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. Common business processing system.   While the automatic transaction apparatus is controlled by the specific business application and executes transaction processing, a button for starting the common business application is provided in a screen displayed on the display device. The common business processing system according to claim 1. To a remote web server connected via a network with multiple automatic transaction devices that are operated by multiple financial systems,
A common business application for controlling business processing by the automatic transaction apparatus common to the plurality of financial systems is provided,
The common business application includes a result of processing performed by the automatic transaction device common to the plurality of financial systems in the common specification transaction data and stores the result in the storage device, and the settlement request or the common specification transaction data is stored in the gateway server. To the corresponding financial system account host computer via
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. The common business processing system according to claim 1 or 2.   The gateway server controls the automatic transaction apparatus based on the specific control data received from the specific terminal device, and the transaction data of the common specification obtained as a result of the transaction is transmitted to the specific terminal device. Settlement data with specific specifications of each financial system that can be converted into transaction data and sent, and the settlement request received from the specific terminal device and transaction data with specific specifications can be interpreted by the accounting host computer of the corresponding financial system 4. The common business processing system according to claim 1, wherein the common business processing system converts the data into a data and transfers the data. A remote web server and a gateway server are provided in a center server connected through a network with a plurality of automatic transaction apparatuses respectively operated by a plurality of financial institutions,
The remote web server is provided with a common business application for controlling business processing by an automatic transaction apparatus common to the plurality of financial institutions,
The common business application includes a result of processing performed by the automatic transaction device common to the plurality of financial systems in the common specification transaction data and stores the result in the storage device, and the settlement request or the common specification transaction data is stored in the gateway server. To the corresponding financial system account host computer via
The gateway server performs a process of converting the settlement request or transaction data of common specifications into transaction data of specific specifications that can be interpreted by the accounting system host computer of the corresponding financial system and transferring the transaction data. The common business processing system according to claim 1.   The gateway server converts the transaction data of the settlement request or the common specification into the transaction data of the specific specification that can be interpreted by the accounting system host computer of the corresponding financial system, and generates the settlement data by the settlement request to generate the financial institution. 6. The common business processing system according to claim 5, wherein the common business processing system is transmitted to a billing-system host computer.   A remote web server that is started by a processing request operation for a common business by an automatic transaction device, processes a common business for an automatic transaction device operated by multiple financial systems, and converts the result into transaction data of a common specification A computer program that causes a computer to function as a common business application that is stored in a storage device and sends settlement request or transaction data of common specifications to a billing host computer of a financial system.   The computer-readable recording medium which recorded the computer program of Claim 7.

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