JP2019212185A - Transaction processing program, transaction processing method, transaction processor, and transaction processing system - Google Patents

Abstract

To provide a transaction processing program capable of executing transaction processing which avoids communication between a terminal and an information processing device.SOLUTION: A transaction processing program causes a computer to execute processing which requests that a first amount corresponding to a first instruction is recorded in an information device in association with identification information of a customer when receiving the first instruction about a payment transaction, designating an exclusive account corresponding to a terminal, and executes payment processing of a second amount corresponding to a second instruction and also requests the information processing device to update the recorded first amount on the basis of the second amount when receiving the second instruction about the payment transaction, designating the identification information.SELECTED DRAWING: Figure 11

Description

  This case relates to a transaction processing program, a transaction processing method, a transaction processing machine, and a transaction processing system.

  A technique for improving operational efficiency of sales office work in a bank is known. Specifically, a system in which a module box that is a set of an automatic teller machine (ATM) and a financial terminal and a host computer including a module box dedicated account Database (DB) are connected via a network is known. The module box dedicated account DB is a dedicated account introduced in order to realize the function of the settlement transaction by the module box (see Patent Document 1 above).

Japanese Patent Laid-Open No. 2006-133827

  By the way, a terminal such as a financial terminal records monetary information acquired from a customer account managed by an accounting host device such as a host computer in an information processing device such as a module box dedicated account DB. And the transaction processing machine containing ATM is performing various transaction processes including a payment transaction using the money information recorded on the information processing apparatus. As described above, the system described above is based on the premise that the terminal can communicate with the information processing apparatus and monetary information can be recorded in the information processing apparatus before the transaction processor executes the transaction processing.

  However, in order for the terminal to communicate with the information processing apparatus, it is necessary to modify the transaction processor, which is expensive. For this reason, even when the terminal cannot communicate with the information processing apparatus, if the transaction processor can execute various transaction processes with the same configuration as the system described above, the convenience of the system is improved.

  Therefore, an object of one aspect is to provide a transaction processing program, a transaction processing method, a transaction processor, and a transaction processing system that can execute transaction processing that avoids communication between a terminal and an information processing apparatus.

  In one embodiment, when the transaction processing program accepts a first instruction related to a withdrawal transaction that designates a dedicated account corresponding to the terminal, the transaction processing program obtains a first amount corresponding to the first instruction as customer identification information. When a second instruction regarding the withdrawal transaction, which specifies the identification information and is requested, is requested to be recorded in the information processing apparatus in association with the withdrawal of the second amount corresponding to the second instruction. In addition to executing the process, the information processing apparatus is requested to perform a process of updating the recorded first amount based on the second amount, and the computer is caused to execute the process.

  Transaction processing that avoids communication between the terminal and the information processing apparatus can be executed.

FIG. 1 is an example of a transaction processing system. FIG. 2 shows an example of the hardware configuration of the accounting host. FIG. 3 shows an example of the hardware configuration of the transaction processor. FIG. 4 is a block diagram of the transaction processing system. FIGS. 5A to 5E are examples of operation screens displayed on the transaction processor. FIG. 6 is an example of account information stored in the transaction processor. FIG. 7 is an example of a processing sequence diagram of the first operation. FIG. 8A shows an example of a transfer screen. FIG. 8B is an example of the money information storage unit before and after the transfer. FIG. 9 is an example (part 1) of the processing sequence diagram of the second operation. FIG. 10 is an example (part 2) of the processing sequence diagram of the second operation. FIGS. 11A to 11G are other examples of operation screens displayed on the transaction processor. FIG. 12A shows an example of a money information storage unit before and after withdrawal. FIG. 12B is an example of a withdrawal information storage unit after recording. FIG. 12C shows an example of the withdrawal information storage unit before and after the update.

  Hereinafter, an embodiment for carrying out this case will be described with reference to the drawings.

  FIG. 1 is an example of a transaction processing system ST. The transaction processing system ST includes a branch office terminal 100 as a terminal, an account host 200 representing an account host device, a DB server 300 as an information processing device, and a transaction processor 400. Note that the function of the DB server 300 may be included in the transaction processor 400.

  The branch office terminal 100, the accounting host 200, the DB server 300, and the transaction processor 400 are connected by a communication network NW. An example of the communication network NW is a bank-dedicated Wide Area Network (WAN). Accordingly, the branch office terminal 100 can communicate with the billing system host 200. Further, the transaction processor 400 can access the account host 200 and the DB server 300. On the other hand, although details will be described later, in the present embodiment, the branch office terminal 100 cannot communicate with the DB server 300 due to differences in communication specifications and communication rules with the DB server 300. That is, communication between the branch terminal 100 and the DB server 300 is blocked.

  The branch office terminal 100 is a terminal device installed in a bank branch office BR. In FIG. 1, a personal computer (PC) is shown as an example of the store terminal 100, but a smart device such as a tablet terminal may be used. The branch terminal 100 is operated by a bank clerk P1 who belongs to the bank branch BR. For example, when a bank customer P2 visits the sales branch BR, the bank clerk P1 hears and accepts a message from the customer P2, and performs an operation on the branch terminal 100 according to the received message. Then, after performing the operation, the bank clerk P1 goes to the transaction processor 400 and guides the customer P2 to the transaction processor 400.

  In the transaction processor 400, the bank clerk P1 performs work (for example, screen operation) other than the work of directly touching cash on behalf of the customer P2. When the transaction processor 400 receives an instruction corresponding to the screen operation, the transaction processor 400 executes various processes according to the instruction. For example, transaction processor 400 pays out cash when it receives an instruction related to paying out cash. When cash is paid out from the transaction processor 400, the bank clerk P1 requests the customer P2 to receive cash. Thereby, the customer P2 can receive cash. Thus, since the bank clerk P1 does not touch the cash directly, the bank clerk P1 can save the trouble of counting the cash. For the same reason, it is possible to prevent the bank clerk P1 from acting illegally. In FIG. 1, a set of one branch terminal 100 and one transaction processor 400 is shown, but a plurality of branch terminals 100 share one transaction processor 400. May be.

  The account host 200 supports a business related to an account of a bank account (for example, a savings account or a checking account) managed by the bank. As will be described in detail later, when the branch terminal 100 is operated, the billing host 200 executes various processes for moving the bill based on instructions according to operations on the branch terminal 100. On the other hand, the DB server 300 temporarily stores, for example, withdrawal information relating to withdrawal of cash paid out from the transaction processor 400. Although details will be described later, when the transaction processor 400 is operated, the DB server 300 executes various processes such as recording and updating of withdrawal information based on an instruction corresponding to the operation on the transaction processor 400.

  The account host 200 and the DB server 300 are arranged in the bank center BC. The bank center BC is a computer system that supports bank operations. The DB server 300 is disposed in the bank center BC as an intermediate layer between the branch office terminal 100 and the billing system host 200.

  Hereinafter, details of transaction processing system ST will be described.

  FIG. 2 shows an example of the hardware configuration of the accounting host 200. Note that the branch office terminal 100 and the DB server 300 described above have basically the same hardware configuration as that of the accounting host 200, and a description thereof will be omitted. As shown in FIG. 2, the accounting host 200 includes at least a central processing unit (CPU) 200A as a hardware processor, a random access memory (RAM) 200B, a read only memory (ROM) 200C, and a network I / F (interface). 200D included. Instead of the CPU 200A, a micro processing unit (MPU) may be used as a hardware processor. The accounting host 200 may include at least one of a hard disk drive (HDD) 200E, an input I / F 200F, an output I / F 200G, an input / output I / F 200H, and a drive device 200I as necessary. The CPU 200A to the drive device 200I are connected to each other by an internal bus 200J. That is, the accounting host 200 can be realized by a computer.

  An input device 710 is connected to the input I / F 200F. Examples of the input device 710 include a keyboard and a mouse. A display device 720 is connected to the output I / F 200G. An example of the display device 720 is a liquid crystal display. A semiconductor memory 730 is connected to the input / output I / F 200H. Examples of the semiconductor memory 730 include a universal serial bus (USB) memory and a flash memory. The input / output I / F 200 </ b> H reads programs and data stored in the semiconductor memory 730. The input I / F 200F and the input / output I / F 200H include, for example, a USB port. The output I / F 200G includes a display port, for example.

  A portable recording medium 740 is inserted into the drive device 200I. Examples of the portable recording medium 740 include a removable disk such as a Compact Disc (CD) -ROM and a Digital Versatile Disc (DVD). The drive device 200I reads a program and data recorded on the portable recording medium 740. The network I / F 200D includes, for example, a LAN port. The network I / F 200D is connected to the communication network NW described above.

  In the above-described RAM 200B, a program stored in the ROM 200C or the HDD 200E is temporarily stored by the CPU 200A. In the RAM 200B, the program recorded on the portable recording medium 740 is temporarily stored by the CPU 200A. When the stored program is executed by the CPU 200A, the CPU 200A realizes various functions described later and executes various processes described later. In addition, what is necessary is just to make a program according to the process sequence diagram mentioned later.

  FIG. 3 shows an example of the hardware configuration of the transaction processor 400. As shown in FIG. 3, the transaction processor 400 includes a CPU 400A as a hardware processor, a RAM 400B, a ROM 400C, a non-volatile memory (NVM) 400D, and a medium processing device 400E. The medium processing device 400E is a device that receives a medium such as a bankbook, executes various processes including printing, and discharges the processed medium.

  The transaction processor 400 includes a cash discharge mechanism 400F, a biometric sensor 400G, a touch panel 400H, a display 400I, and a network I / F 400J. The cash discharge mechanism 400F is a mechanism that discharges the cash stored in the transaction processor 400 to the cash outlet of the transaction processor 400. Customer P2 can receive the cash discharged to the cash outlet. The CPU 400A to the network I / F 400J are connected to each other by an internal bus 400K. Note that an MPU may be used as a hardware processor instead of the CPU 400A.

  In the above-described RAM 400B, the program stored in the ROM 400C or the NVM 400D is temporarily stored by the CPU 400A. When the stored program is executed by the CPU 400A, the CPU 400A realizes various functions described later and executes various processes described later. In addition, what is necessary is just to make a program according to the process sequence diagram mentioned later.

  FIG. 4 is a block diagram of the transaction processing system ST. In particular, FIG. 4 illustrates the configuration of functions of the branch office terminal 100, the billing system host 200, the DB server 300, and the transaction processor 400.

  First, the store terminal 100 will be described. The branch terminal 100 includes a transfer acceptance unit 110 and a transfer request unit 120. The transfer accepting unit 110 can be realized by an input I / F and a CPU, for example. The transfer request unit 120 can be realized by a network I / F and a CPU.

  The transfer reception unit 110 receives a transfer instruction. More specifically, the customer P2 designates the account number and the amount of the savings account by a transaction slip (for example, a refund bill), and hands over the transaction slip to the bank clerk P1. When the bank clerk P1 is handed over the transaction slip, the bank clerk P1 performs a predetermined operation such as confirmation of the description items described in the transaction slip and verification of the seal stamped on the transaction slip, and performs a transfer operation on the branch terminal 100. The transfer operation temporarily transfers funds of the amount specified in the transaction slip from the bank account of the customer P2 managed by the account host 200 to a dedicated account that is an account for transfer (more specifically, transfer only). It is an operation. Although the details will be described later, the dedicated account is an account different from the bank account of the customer P2 registered in the account host 200 in association with the branch terminal 100. When an opening operation for opening a dedicated account for the branch terminal 100 is performed, the dedicated account is registered in the account host 200 based on the existing account opening function of the branch terminal 100. The dedicated account is registered in the account host 200 before the transfer operation is performed. The dedicated account is specified by a store number, a subject or type (hereinafter simply referred to as a subject), and an account number. When the bank clerk P1 performs a transfer operation on the branch terminal 100, the transfer reception unit 110 receives a transfer instruction according to the transfer operation. The transfer instruction includes the amount designated by the customer P2. When receiving the transfer instruction, the transfer receiving unit 110 outputs the received transfer instruction to the transfer request unit 120.

  The transfer request unit 120 requests the account host 200 for transfer processing. More specifically, when the transfer request unit 120 receives the transfer instruction output from the transfer reception unit 110, the transfer request unit 120 requests the account host 200 to transfer the amount included in the received transfer instruction. The transfer process is a process of transferring the amount of funds included in the transfer instruction from the bank account of the customer P2 to a specific dedicated account associated with the branch terminal 100. When the transfer request unit 120 requests a transfer process, the account host 200 executes the transfer process.

  Next, the billing host 200 will be described. The accounting host 200 includes a money information storage unit 210, a communication unit 220, and a request processing unit 230. Note that the monetary information storage unit 210 can be realized by the HDD 200E described above, for example. The communication unit 220 can be realized by the network I / F 200D. The request processing unit 230 can be realized by the CPU 200A.

  The money information storage unit 210 stores money information. More specifically, the monetary information storage unit 210 stores an account number that identifies the bank account of the customer P2 and monetary information that represents funds deposited in the bank account identified by the account number. Further, the monetary information storage unit 210 stores an account number for identifying a dedicated account in association with monetary information representing funds transferred to the dedicated account identified by the account number.

  The communication unit 220 controls communication between the billing system host 200 and the branch terminal 100. The communication unit 220 controls communication between the accounting host 200 and the transaction processor 400. For example, when receiving a request for various processes, the communication unit 220 determines the type of the received request and transfers the request to any of the transfer unit 231, the acquisition unit 232, and the withdrawal unit 233 based on the determination result. To do. In addition, the communication unit 220 transmits balance information indicating the account balance of the dedicated account and withdrawal information relating to the withdrawal amount.

  The request processing unit 230 executes processing according to the request transferred from the communication unit 220. The request processing unit 230 includes a transfer unit 231, an acquisition unit 232, and a withdrawal unit 233. When the transfer unit 231 receives a transfer process request from the communication unit 220, the transfer unit 231 accesses the money information storage unit 210 and executes the transfer process described above. Upon receiving a request for transmission processing of a balance for which an account is specified from the communication unit 220, the acquisition unit 232 specifies the specified account from the money information storage unit 210, and specifies balance information representing the account balance of the specified account. Obtained from the account and output to the communication unit 220. The account may be either a dedicated account or a customer P2 account. When the withdrawal unit 233 receives a request for a withdrawal process in which an account and a withdrawal amount are specified from the communication unit 220, the withdrawal unit 233 identifies the designated account from the money information storage unit 210, and withdraws information indicating the designated withdrawal amount. Is obtained from the identified account and output to the communication unit 220. The account may be either a dedicated account or a customer P2 account.

  Next, the DB server 300 will be described. The DB server 300 includes a withdrawal information storage unit 310, a communication unit 320, and an information processing unit 330. The withdrawal information storage unit 310 can be realized by an HDD, for example. The communication unit 320 can be realized by a network I / F. The information processing unit 330 can be realized by a CPU.

  The withdrawal information storage unit 310 stores withdrawal information. More specifically, the withdrawal information storage unit 310 associates the withdrawal information transmitted from the communication unit 220 of the accounting host 200 and passed through the transaction processor 400 with the identification information temporarily assigned to the customer P2. Remember. Although details will be described later, the identification information is generated by the information processing unit 330 and associated with the withdrawal information. As the identification information, for example, there is an acceptance number that is assigned after the bank clerk P1 accepts the business of the customer P2.

  The communication unit 320 controls communication between the DB server 300 and the transaction processor 400. For example, the communication unit 320 receives withdrawal information transmitted from the transaction processing machine 400 in association with the identification information of the customer P2 and outputs the withdrawal information to the information processing unit 330. For example, when the communication unit 320 receives a request for an update process for the withdrawal information from the transaction processor 400, the communication unit 320 transfers the request to the information processing unit 330. In addition, the communication unit 320 receives and transmits various types of information. Note that the communication unit 320 cannot control communication between the DB server 300 and the branch terminal 100 due to differences in communication specifications, communication rules, and the like. Therefore, as described above, communication between the DB server 300 and the branch terminal 100 is blocked.

  The information processing unit 330 records the withdrawal information output from the communication unit 320 in the withdrawal information storage unit 310 and outputs the recorded amount to the communication unit 320. When the information processing unit 330 receives a request for update processing from the communication unit 320, the information processing unit 330 executes update processing for updating the withdrawal information recorded in the withdrawal information storage unit 310. In addition, the information processing unit 330 performs various types of information processing such as generating the identification information of the customer P2 described above.

  Next, the transaction processor 400 will be described. Transaction processor 400 includes an instruction receiving unit 410, a process requesting unit 420, a screen display unit 430, and a process execution unit 440. The instruction receiving unit 410 can be realized by the CPU 400A and the touch panel 400H, for example. The processing request unit 420 can be realized by the CPU 400A and the network I / F 400J, for example. The screen display unit 430 can be realized by the CPU 400A and the display 400I, for example. The process execution unit 440 can be realized by the CPU 400A and the cash discharge mechanism 400F, for example.

  The instruction receiving unit 410 receives a first instruction related to a withdrawal transaction that designates a dedicated account corresponding to the branch terminal 100. More specifically, after an account number of a dedicated account is specified on an account number specifying screen (described later) displayed on the screen display unit 430, an operation of withdrawing the funds transferred to the dedicated account and recording it in the DB server 300 is performed. When performed, the instruction receiving unit 410 receives a first instruction based on the operation. Moreover, the instruction | indication reception part 410 receives the 2nd instruction | indication regarding withdrawal transaction which designated the identification information of the customer P2. More specifically, when an operation for selecting a transaction for paying out cash is performed on a transaction selection screen (described later) displayed on screen display unit 430, instruction receiving unit 410 receives a second instruction based on the operation.

  When the instruction receiving unit 410 receives the first instruction described above, the processing requesting unit 420 associates the withdrawal information of the amount corresponding to the first instruction with the identification information of the customer P2 if there is a balance in the dedicated account. Request processing to be recorded in the DB server 300. When the instruction receiving unit 410 receives the second instruction described above, the processing requesting unit 420 requests the DB server 300 to update the recorded amount of withdrawal information based on the amount corresponding to the second instruction. To do.

  The screen display unit 430 displays various screens. For example, the screen display unit 430 displays an account number designation screen for designating an account number of a dedicated account, a transaction selection screen for selecting a transaction for paying out cash from temporarily deposited funds, and a transaction for transferring funds from temporarily deposited funds. When the instruction receiving unit 410 receives the above-described second instruction, the process executing unit 440 executes a withdrawal process for an amount corresponding to the second instruction. In addition, the process execution unit 440 executes various processes.

  Next, with reference to FIGS. 5 and 6, an operation for registering the account information related to the dedicated account in the transaction processor 400 will be described.

  FIGS. 5A to 5E are examples of operation screens displayed on the transaction processor 400. FIG. 6 is an example of account information stored in the transaction processor 400. When providing a transaction using a dedicated account to the customer P2, the bank clerk P1 registers account information related to the dedicated account in an account information storage unit (not shown) of the transaction processor 400 in advance. Specifically, the bank clerk P1 performs a specific operation for causing the transaction processor 400 to display an clerk operation screen. In the transaction processor 400, when the instruction receiving unit 410 receives an instruction corresponding to this specific operation, the screen display unit 430 displays an attendant operation screen as shown in FIG. The clerk operation screen includes an operation button BT1 for giving an instruction regarding registration of account information related to a dedicated account.

  When the bank clerk P1 performs an operation of pressing the operation button BT1, the instruction receiving unit 410 receives an instruction corresponding to the operation. As a result, the screen display unit 430 displays a process selection screen as shown in FIG. The process selection screen instructs an operation button BT2 for instructing a registration process of account information related to the dedicated account, an operation button BT3 for instructing an inquiry process of registered account information, and a deletion process of the registered account information. An operation button BT4 is included.

  For example, when the bank clerk P1 performs an operation of pressing the operation button BT2, the instruction receiving unit 410 receives an instruction corresponding to the operation. Thereby, the screen display part 430 displays the account registration screen of account information, as shown in FIG.5 (c). In FIG. 5 (c), the store number and subject entry fields are omitted. The bank clerk P1 inputs the store number, subject, and account number of the dedicated account registered in advance in the account host 200 on the account registration screen and the password for authenticating the availability of the dedicated account, and presses the operation button BT5. . When the bank clerk P1 performs an operation of pressing the operation button BT5, the instruction receiving unit 410 receives an instruction corresponding to the operation. The process execution unit 440 registers the store number, subject, account number, and password entered on the account registration screen in the account information storage unit as account information related to the dedicated account according to the instruction received by the instruction reception unit 410. As a result, as shown in FIG. 6, account information related to the dedicated account is stored in the transaction processor 400.

  On the other hand, when the bank clerk P1 performs an operation of pressing the operation button BT3, the instruction receiving unit 410 receives an instruction corresponding to the operation. Thereby, the screen display part 430 displays the account inquiry screen of account information, as shown in FIG.5 (d). Thereby, the bank clerk P1 can confirm the account information excluding the password registered in the transaction processor 400. In addition, when the bank clerk P1 performs an operation of pressing the operation button BT4, the instruction receiving unit 410 receives an instruction corresponding to the operation. Thereby, the screen display part 430 displays the account deletion screen of account information, as shown in FIG.5 (e). Thereby, the bank clerk P1 can delete the account information registered in the transaction processor 400.

  Subsequently, the first operation of the transaction processing system ST will be described with reference to FIGS. 7 and 8.

  FIG. 7 is an example of a processing sequence diagram of the first operation. FIG. 8A shows an example of a transfer screen. FIG. 8B is an example of the money information storage unit 210 before and after the transfer. First, as shown in FIG. 7, the transfer reception unit 110 of the branch terminal 100 receives a transfer instruction (step S101). For example, when a customer P2 who brings a transaction slip relating to a withdrawal transaction visits the branch office BR, hands over the transaction slip to the bank clerk P1 and tells the business, the bank clerk P1 displays the transfer screen on the branch terminal 100. Perform the operation. Thereby, as shown to Fig.8 (a), the branch terminal 100 displays a transfer screen. The bank clerk P1 inputs the store number, item, account number and amount of the savings account of the customer P2 described in the transaction slip in addition to the store number, item, account number of the dedicated account on the transfer screen, and executes the transfer with the pointer Pt. When an operation of pressing the operation button BT6 is performed, the transfer reception unit 110 receives a transfer instruction corresponding to the operation. Note that the account number and the amount may be input by a device including an image reader function and an optical character recognition (OCR) function.

  When the process of step S101 is completed, the transfer request unit 120 then requests the account host 200 for a transfer process (step S102). More specifically, the transfer request unit 120 stores the store number, item, and account number of the customer account entered as the transfer source on the transfer screen, and the store number, subject, account number and transfer screen of the dedicated account entered as the transfer destination on the transfer screen. The transfer information including the amount input as the transfer amount is transmitted to the account host 200, and a transfer process is requested.

  In the account host 200, when a transfer process is requested from the branch terminal 100, the transfer unit 231 executes the transfer process (step S103). More specifically, when receiving the transfer information transmitted from the branch terminal 100, the transfer unit 231 specifies a dedicated account corresponding to the store number, subject, and account number input as the transfer destination at the branch terminal 100. When the transfer unit 231 specifies the dedicated account, the funds of the account specified by the account number included in the transfer information are transferred to the specified dedicated account by the amount included in the transfer information. As a result, as shown in FIG. 8B, the account balance of the savings account of the customer P2 is decreased by the amount included in the transfer information, and the account balance of the dedicated account is increased by the amount. In this way, the amount of funds described in the transaction slip is transferred from the customer P2 savings account to the dedicated account. After completing these operations, the bank clerk P1 moves in front of the transaction processor 400 together with the customer P2.

  Subsequently, a second operation of the transaction processing system ST will be described with reference to FIGS. 9 to 12.

  FIG. 9 is an example (part 1) of the processing sequence diagram of the second operation. FIG. 10 is an example (part 2) of the processing sequence diagram of the second operation. 11A to 11G are other examples of operation screens displayed on the transaction processor 400. FIG. FIG. 12A shows an example of the money information storage unit 210 before and after withdrawal. FIG. 12B is an example of the withdrawal information storage unit 310 after recording. FIG. 12C shows an example of the withdrawal information storage unit 310 before and after the update. The processing sequence diagrams shown in FIGS. 9 and 10 are continued by the corresponding symbol “A” or the like.

  First, as shown in FIG. 9, the instruction receiving unit 410 of the transaction processing machine 400 receives a display instruction (step S201). The display instruction is an instruction for causing the transaction processor 400 to display the account balance of the dedicated account. More specifically, as shown in FIG. 11A, instructing the bank clerk P1 to conduct a transaction using a dedicated account while the screen display unit 430 of the transaction processor 400 displays the menu screen. When an operation of pressing the operation button BT7 is performed, the instruction receiving unit 410 receives an instruction corresponding to the operation. Thereby, the screen display part 430 displays the account number designation | designated screen which designates the account number of a dedicated account, as shown in FIG.11 (b).

  When the bank clerk P1 inputs an account number of a dedicated account corresponding to the branch terminal 100 operated by the bank clerk P1 and performs an operation of pressing the operation button BT8, the instruction receiving unit 410 receives an instruction corresponding to the operation. When the instruction reception unit 410 receives the instruction, the process execution unit 440 matches the account number input on the account number designation screen with the account number stored in the transaction processor 400 and confirms the validity of the input account number. . That is, by storing the account number in the transaction processor 400 in advance, an input error of the input account number is suppressed. When the process execution unit 440 confirms the validity of the account number, the screen display unit 430 displays a personal identification number designation screen for designating a personal identification number, as shown in FIG. When the bank clerk P1 inputs the password and performs an operation of pressing the operation button BT9, the instruction receiving unit 410 receives an instruction corresponding to the operation. When the instruction receiving unit 410 receives the instruction, the process executing unit 440 authenticates the password by matching the password entered on the account number designation screen with the password stored in the transaction processor 400. When the process execution unit 440 authenticates the personal identification number, the screen display unit 430 displays a standby screen asking for standby until the next screen is displayed, as shown in FIG. Thus, the instruction receiving unit 410 receives a display instruction by a plurality of instructions. Note that the display of the menu screen and the password specification screen may be omitted, and the instruction receiving unit 410 may receive a display instruction when the operation button BT8 is pressed.

  When the process of step S201 is completed, the process request unit 420 then requests the account host 200 for a transmission process related to the account balance of the dedicated account (step S202). More specifically, since the account number of the dedicated account entered on the account number designation screen can be confirmed to be valid, the processing request unit 420 identifies account information including the account number from the transaction processor 400, and identifies the identified account. Balance acquisition information representing a message including information is generated. The processing request unit 420 transmits the generated balance acquisition information to the account host 200 and requests transmission processing. In this way, by storing the account information in the transaction processor 400, the store number and the subject associated with the account number that matches the input account number can be specified by inputting the account number. And the burden of entering subjects is avoided.

  When the billing host 200 is requested for transmission processing, the communication unit 220 transmits balance information (step S203). More specifically, when the acquisition unit 232 receives balance acquisition information via the communication unit 220, the store number, subject, and account number included in the balance acquisition information are selected from the dedicated account registered in the money information storage unit 210. Identify the corresponding dedicated account. If the access to the dedicated account specified by using the personal identification number included in the balance acquisition information is permitted, the acquisition unit 232 acquires the balance information and outputs it to the communication unit 220. Thereby, the communication unit 220 transmits the balance information to the transaction processor 400.

  In transaction processor 400, when processing request unit 420 receives balance information, screen display unit 430 displays the account balance of the dedicated account (step S204). More specifically, as shown in FIG. 11E, the screen display unit 430 displays a fund transfer execution screen including an account balance specified by the balance information and an operation button BT10 for instructing transfer of funds of the account balance. . Note that the display of the funds transfer execution screen may be omitted, and the processing request unit 420 may execute the process of step S206 described later without receiving an instruction by pressing the operation button BT10.

  When the bank clerk P1 performs an operation of pressing the operation button BT10, the instruction receiving unit 410 receives the first instruction (step S205). As described above, the first instruction is an instruction relating to a withdrawal transaction in which a dedicated account corresponding to the branch terminal 100 is designated. The dedicated account is specified on the account number specification screen. As a result, the process request unit 420 requests the account host 200 to perform a withdrawal process (step S206). More specifically, a withdrawal process for withdrawing the entire account balance of the dedicated account displayed in the fund transfer execution screen from the dedicated account and transferring it to the DB server 300 is requested. When the process of step S206 is completed, the screen display unit 430 displays a standby screen asking for standby until the next screen is displayed, as shown in FIG.

  When the accounting host 200 is requested to perform the withdrawal process, the withdrawal unit 233 executes the withdrawal process (step S207). More specifically, as shown in FIG. 12 (a), the withdrawal unit 233 withdraws the entire account balance displayed in the fund transfer execution screen from the dedicated account in the money information storage unit 210. Execute the process. When the process of step S207 is completed, the communication unit 220 transmits the withdrawal information to the transaction processor 400 (step S208). More specifically, the communication unit 220 transmits withdrawal information relating to the withdrawal amount.

  In the transaction processing machine 400, when the processing request unit 420 receives the withdrawal information, the processing request unit 420 requests the DB server 300 to perform a recording process (step S209). More specifically, the processing request unit 420 transmits recording information including the received withdrawal information, and requests a recording process.

  When the DB server 300 is requested to perform a recording process, the information processing unit 330 executes an ID generation process (step S210). The ID generation process is a process for generating identification information of the customer P2. In the present embodiment, the information processing unit 330 generates a customer number “77” as identification information. When the process of step S210 is completed, the information processing unit 330 records the withdrawal information (step S211). More specifically, when the information processing unit 330 receives the recording information via the communication unit 320, the withdrawal information included in the recording information and the generated identification information are associated with each other and recorded in the withdrawal information storage unit 310. Thereby, as shown in FIG.12 (b), the withdrawal information storage part 310 matches and memorize | stores the customer number corresponded to identification information, and the temporary deposit money corresponded to withdrawal information. When the information processing unit 330 records the withdrawal information, the information processing unit 330 outputs the recorded amount and the identification information to the communication unit 320.

  When the process of step S211 is completed, as shown in FIG. 10, the communication unit 320 of the DB server 300 transmits the recorded amount to the transaction processor 400 (step S212). More specifically, the communication unit 320 transmits a recording amount and identification information. In transaction processing machine 400, when processing request unit 420 receives the recorded amount, screen display unit 430 displays the recorded amount recorded in the dedicated account (step S213). More specifically, as shown in FIG. 11G, the screen display unit 430 displays a transaction selection screen including the recorded amount received by the processing request unit 420 and the identification information. In addition, the transaction selection screen also includes an operation button BT11 that instructs the transaction processor 400 to pay out cash, and an operation button BT12 that instructs transfer.

  When the process of step S213 is completed, the instruction receiving unit 410 receives the second instruction (step S214). As described above, the second instruction is an instruction related to the withdrawal transaction that specifies the identification information of the customer P2. The identification information of the customer P2 is specified in the transaction selection screen. Here, as shown in FIG. 11G, the bank clerk P1 presses the operation button BT11 instructing to pay out cash while the screen display unit 430 of the transaction processor 400 displays the transaction selection screen. When an operation is performed, the instruction receiving unit 410 receives an instruction corresponding to the operation as a second instruction.

  When the instruction receiving unit 410 receives the second instruction, the process execution unit 440 executes a withdrawal process (step S215). More specifically, the process execution unit 440 pays out the amount of cash displayed on the transaction selection screen. Thereby, the customer P2 can receive the cash of the amount described in the transaction slip.

  When the process of step S215 is completed, the process request unit 420 requests the DB server 300 for an update process (step S216). When the DB server 300 is requested to perform the update process, the information processing unit 330 executes the update process (step S217). More specifically, the information processing unit 330 accesses the withdrawal information storage unit 310, and the amount of withdrawal information stored as temporary deposit funds by the withdrawal information storage unit 310 is calculated based on the cash paid out from the transaction processor 400. Update the amount to a reduced amount. Therefore, as shown in FIG. 12 (c), when 300,000 yen of cash is paid out from the transaction processor 400, the information processing unit 330 is stored in the withdrawal information storage unit 310 as temporary deposit funds 30. Update 10,000 yen to 0 yen. In addition, when 100,000 yen of cash is paid out from the transaction processor 400, the information processing unit 330 updates 300,000 yen stored in the withdrawal information storage unit 310 as temporary deposit funds to 200,000 yen. In this case, in transaction processing machine 400, screen display unit 430 redisplays a transaction selection screen for temporarily depositing funds of 200,000 yen.

  As described above, according to the present embodiment, the transaction processing system ST includes the account host 200, the DB server 300, and the transaction processor 400 in which a dedicated account corresponding to the sales office terminal 100 is registered. In particular, transaction processing machine 400 includes an instruction receiving unit 410, a process execution unit 440, and a process request unit 420. The instruction receiving unit 410 receives a first instruction related to a withdrawal transaction specifying a dedicated account corresponding to the branch terminal, or receives a second instruction related to a withdrawal transaction specifying customer identification information. When the process execution unit 440 receives the second instruction, the process execution unit 440 executes a withdrawal process for an amount corresponding to the second instruction. When receiving the first instruction, the process request unit 420 requests the DB server 300 to record the amount corresponding to the first instruction in association with the identification information of the customer P2. Further, when receiving the second instruction, the process request unit 420 requests the DB server 300 to update the recorded amount based on the amount corresponding to the second instruction. Thereby, as shown also in FIG.7, FIG.9 and FIG.10, the transaction process which avoided communication with the branch office terminal 100 and DB server 300 can be performed.

  The preferred embodiments of the present invention have been described in detail above, but the present invention is not limited to the specific embodiments according to the present invention, and various modifications are possible within the scope of the gist of the present invention described in the claims.・ Change is possible. For example, as described above, a dedicated account corresponding to the store terminal 100 and a dedicated account corresponding to another store terminal (not shown) different from the store terminal 100 are registered in the account host 200 separately. . That is, the dedicated account is registered in the account host 200 for each terminal.

  In the above-described embodiment, it has been explained that the entire amount of funds stored as temporary deposit funds in the withdrawal information storage unit 310 is paid out in cash. For example, half of the funds are paid out in cash, and the remaining half price is taxed. You may make it pay. In this case, an operation button is provided for depositing into the dedicated account the amount displayed as temporary deposit funds (ie, half price for tax payment) after cash is paid out on the transaction selection screen shown in FIG. When this operation button is pressed, the information on the funds stored as temporary deposit funds in the withdrawal information storage unit 310 is stored in the corresponding dedicated account registered in the account host 200 via the transaction processor 400. After depositing, the information on the funds stored in the withdrawal information storage unit 310 is updated to the information after the reduction. Then, the bank clerk P1 confirms the tax payment received from the customer P2, operates the branch terminal 100 to access the account host 200, and stores information on the funds deposited in the dedicated account such as a tax payment reserve. Transfer to an account. In this way, once the information on the funds recorded in the DB server 300 is re-paid into the dedicated account by operating the transaction processor 400, the information on the funds deposited in the dedicated account is transferred to another account at the branch terminal 100. You may make it perform the process which transfers.

  Further, as described above, if the transaction processor 400 is provided with the function of the DB server 300, the transaction processor 400 associates the monetary information indicating the amount of money corresponding to the first instruction with the identification information of the customer P2. Can be held. Further, when accepting the second instruction, transaction processing machine 400 executes a withdrawal process for money information representing the money of the amount corresponding to the second instruction, and uses the retained money information for the money of the amount corresponding to the second instruction. It can be updated based on the monetary information representing.

In addition, the following additional notes are disclosed regarding the above description.
(Additional remark 1) When the 1st instruction | indication regarding the withdrawal transaction which designated the dedicated account corresponding to a terminal is received, the 1st money amount corresponding to the said 1st instruction | indication will be matched with customer identification information, and information processing apparatus When receiving a second instruction regarding the withdrawal transaction that specifies the identification information and executes a withdrawal process for a second amount corresponding to the second instruction, A transaction processing program for causing a computer to execute a process for requesting an information processing apparatus to update the recorded first amount based on the second amount.
(Additional remark 2) The process which requests | requires the process which withdraws the 1st amount corresponding to the said 1st instruction | indication from the said exclusive account and matches it with the said identification information to the said information processing apparatus to the said computer. The transaction processing program according to attachment 1, wherein the transaction processing program is executed.
(Supplementary Note 3) causing the computer to request the information processing apparatus to update the recorded first amount to a third amount obtained by subtracting the second amount from the recorded first amount. The transaction processing program according to appendix 1 or 2, characterized by:
(Supplementary Note 4) When receiving a first instruction relating to a withdrawal transaction that specifies first identification information for identifying a transfer account registered in association with a terminal in a manner different from a deposit account in an account host device, When funds are transferred to the transfer account of the first identification information, the money information representing the first amount of money corresponding to the first instruction is used as the second identification information for identifying the customer. When the second instruction regarding the withdrawal transaction that specifies the second identification information is received, the second amount corresponding to the second instruction is requested. A process of performing a withdrawal process on the money information representing the funds of the client and updating the recorded money information of the first amount based on the money information of the second amount to the information processing apparatus. Request, process computer Transaction processing program, characterized in that to execute.
(Additional remark 5) The process which confirms the validity of the account number input with respect to the said computer based on the said account number memorize | stored in advance in the said computer regarding the account number regarding the said account for transfer The transaction processing program according to attachment 4, wherein the transaction processing program is executed.
(Appendix 6) The computer stores in advance account information including a store number, a subject, and an account number regarding the transfer account, and when the account number is input to the computer, the input account number is 6. The transaction processing program according to appendix 4 or 5, wherein a process for generating information to be transmitted to the host device is executed based on the account information.
(Supplementary note 7) The transaction processing program according to any one of supplementary notes 1 to 6, wherein communication between the terminal and the information processing apparatus is interrupted.
(Appendix 8) When receiving a first instruction regarding a withdrawal transaction specifying a dedicated account corresponding to a terminal, the information processing apparatus associates the first amount corresponding to the first instruction with customer identification information. When receiving a second instruction regarding the withdrawal transaction that specifies the identification information and executes a withdrawal process for a second amount corresponding to the second instruction, A transaction processing method, wherein a computer executes a process of requesting an information processing apparatus to update the recorded first amount based on the second amount.
(Additional remark 9) The instruction | indication reception part which receives the 2nd instruction | indication regarding the 1st instruction | indication regarding the withdrawal transaction which designated the exclusive account corresponding to a terminal, and the customer's identification information, and the said 2nd When the instruction is received, a process execution unit that executes a withdrawal process of the second amount corresponding to the second instruction, and when receiving the first instruction, the first instruction corresponding to the first instruction When the information processing device is requested to record the amount in association with the identification information and the second instruction is received, the information processing device receives the recorded first amount from the second information. A transaction processing machine comprising: a process requesting unit that requests a process of updating based on the amount of money.
(Additional remark 10) When the 1st instruction | indication regarding the withdrawal transaction which designated the account-type host apparatus with which the dedicated account corresponding to a terminal was registered, information processing apparatus, and the said dedicated account is received, said 1st instruction | indication Requesting the processing to record the first amount corresponding to the customer identification information in the information processing apparatus, and receiving the second instruction regarding the withdrawal transaction specifying the identification information, The second amount withdrawal process corresponding to the instruction 2 is executed, and the information processing apparatus is requested to update the recorded first amount based on the second amount. A transaction processing system comprising: a transaction processing machine.
(Supplementary Note 11) When an account-type host device in which a dedicated account corresponding to a terminal is registered and a first instruction regarding a withdrawal transaction specifying the dedicated account are received, a first corresponding to the first instruction When the second instruction regarding the withdrawal transaction that specifies the identification information and is received is stored in association with the customer identification information, the second amount withdrawal process corresponding to the second instruction is performed. And a transaction processor that updates the held first amount based on the second amount.

ST Transaction processing system 100 Branch terminal 200 Account host 300 DB server 400 Transaction processor 410 Instruction reception unit 420 Process request unit 430 Screen display unit 440 Process execution unit

Claims (11)

When receiving a first instruction regarding a withdrawal transaction that designates a dedicated account corresponding to a terminal, a process of recording a first amount corresponding to the first instruction in an information processing apparatus in association with customer identification information Ask
When a second instruction relating to the withdrawal transaction specifying the identification information is received, a withdrawal process of a second amount corresponding to the second instruction is executed, and the information processing apparatus records Requesting the processing to update the first amount made based on the second amount;
A transaction processing program for causing a computer to execute processing. In the computer,
Requesting the processing to withdraw the first amount corresponding to the first instruction from the dedicated account and to record it in the information processing apparatus in association with the identification information;
The transaction processing program according to claim 1, wherein the processing is executed. In the computer,
Requesting the information processing apparatus to update the recorded first amount to a third amount obtained by subtracting the second amount from the recorded first amount;
The transaction processing program according to claim 1, wherein the transaction is executed. When receiving a first instruction relating to a withdrawal transaction in which a first identification information for identifying a transfer account registered in association with a terminal is distinguished from a deposit account in the account-type host device, the first When funds are transferred to the transfer account of the identification information, the money information representing the first amount of money corresponding to the first instruction is associated with the second identification information for identifying the customer. Request processing to record to the information processing device,
When a second instruction regarding the withdrawal transaction specifying the second identification information is received, a withdrawal process for money information representing a second amount of money corresponding to the second instruction is executed, Requesting the information processing apparatus to update the recorded monetary information of the first amount based on the monetary information of the second amount;
A transaction processing program for causing a computer to execute processing. In the computer,
Storing the account number related to the transfer account in advance, and confirming the validity of the account number input to the computer based on the stored account number;
The transaction processing program according to claim 4, wherein the transaction is executed. In the computer,
Store the account information including the store number, subject, and account number related to the transfer account in advance, and when the account number is input to the computer, based on the account information including the input account number, Generating information to be transmitted to the host device;
6. The transaction processing program according to claim 4, wherein the transaction is executed. Communication between the terminal and the information processing apparatus is interrupted,
The transaction processing program according to any one of claims 1 to 6, characterized in that: When receiving a first instruction regarding a withdrawal transaction that designates a dedicated account corresponding to a terminal, a process of recording a first amount corresponding to the first instruction in an information processing apparatus in association with customer identification information Ask
When a second instruction relating to the withdrawal transaction specifying the identification information is received, a withdrawal process of a second amount corresponding to the second instruction is executed, and the information processing apparatus records Requesting the processing to update the first amount made based on the second amount;
A transaction processing method, wherein a computer executes a process. An instruction accepting unit that receives a first instruction related to a withdrawal transaction that designates a dedicated account corresponding to a terminal, and a second instruction that relates to a withdrawal transaction that designates identification information of a customer;
When receiving the second instruction, a process execution unit that executes a second amount withdrawal process corresponding to the second instruction;
When the first instruction is received, a process for recording the first amount corresponding to the first instruction in the information processing apparatus in association with the identification information is requested, and when the second instruction is received, A processing request unit that requests the information processing apparatus to update the recorded first amount based on the second amount;
A transaction processing machine. An account host device in which a dedicated account corresponding to the terminal is registered;
An information processing device;
When a first instruction regarding a withdrawal transaction specifying the dedicated account is received, a request is made to record the first amount corresponding to the first instruction in the information processing apparatus in association with customer identification information When the second instruction related to the withdrawal transaction specifying the identification information is received, a withdrawal process of the second amount corresponding to the second instruction is executed, and the information processing apparatus is A transaction processor that requests processing to update the recorded first amount based on the second amount;
A transaction processing system comprising: An account host device in which a dedicated account corresponding to the terminal is registered;
When the first instruction regarding the withdrawal transaction specifying the dedicated account is received, the first amount corresponding to the first instruction is held in correspondence with the identification information of the customer, and the identification information is specified. When the second instruction related to the withdrawal transaction is received, a withdrawal process for the second amount corresponding to the second instruction is executed, and the held first amount is based on the second amount. A transaction processor to update,
A transaction processing system comprising:

Images