JP2021036362A - Semi-self-management method and semi-self-management system - Google Patents

Abstract

To provide a semi-self-management method and a semi-self-management system that, at the time of dealing with customers by a semi-self-method, can cope with traditional transactions using passbooks or the like accordingly, and realize cash touchless and scrutiny-less for bank clerks.SOLUTION: In a semi-self-management system 10, at the time of a transaction of a customer who has brought a passbook and a seal, a BTS 30 performs processes of digitization and seal verification related to a slip created in connection with the transaction and stamped with the seal, processes of a project making request and a business flow execution request to a branch office server 100, and a process of notifying an account system 200 of a change due to each transaction of each customer from a specified amount at the start of business of an ATM 300 to be linked as update information on a terminal account. The ATM 300 receives cash deposit/withdrawal operation performed by the customer in connection with the transaction made into the project by the BTS 30, and notifies the account system 200 of the data as update information of a terror machine account for each event of handling the cash.SELECTED DRAWING: Figure 1

Description

The present invention relates to a semi-self management method and a semi-self management system.

Customers who visit the branch offices of financial institutions have their own transaction needs, and there are various types of transactions, such as transactions that require counter support and transactions that are completed by automated teller machines such as ATMs. Of these, for operations that require counter support, there are conspicuous movements to introduce appropriate support systems, including so-called high counters, to save labor and make paperless offices.

As such a technique, for example, a module box including an automatic cash deposit machine and a branch office terminal, a host computer having a deposit / withdrawal data storage unit for the module box, and an order data storage unit for the module box, and an office centralized center terminal are used. It is an information processing method executed by the personal computer system, and is a step of issuing a card for an automatic cash deposit machine that records identification information of a specific customer, transaction amount information, and transaction identification information by the branch office terminal. When the automatic cash deposit machine is instructed to make a deposit using the automatic cash deposit machine card, the automatic cash deposit card provides the identification information of the specific customer, the handling amount information, and the transaction identification information. When payment is confirmed according to the handling amount information, a step of transmitting a payment processing request to the host computer including the identification information of the specific customer, the handling amount information, and the transaction identification information, and When the host computer receives the data related to the deposit processing request, the host computer registers the deposit according to the handling amount information related to the deposit processing request to the deposit / withdrawal data storage unit for the module box, and further orders the module box. A registration step of registering the identification information of the specific customer, the handling amount information, and the transaction identification information related to the payment processing request in the data storage unit in a state where the data of the remittance destination is insufficient, and optionally after the registration step. When the remittance destination identification information is input in response to the transaction identification information at the office centralized center terminal, a payment request including the transaction identification information and the remittance destination identification information is transmitted to the host computer. When the payment request step to be performed and the data related to the payment request are received by the host computer, the withdrawal registration is stored in the deposit / withdrawal data for the module box according to the transaction amount information corresponding to the transaction identification information related to the payment request. The remittance process is performed according to the remittance destination identification information related to the payment request, and the remittance destination identification is performed in the module box order data storage unit in response to the transaction identification information related to the payment request. An information processing method including a step of registering information (see Patent Document 1) and the like have been proposed.

Japanese Unexamined Patent Publication No. 2006-133827

As shown by the above-mentioned prior art, there is an aspect that the processing efficiency of the business is improved by advancing the so-called passbook-less or seal-less. However, not all customer bases visiting financial institution stores have an affinity for such so-called paperless, non-face-to-face customer service.

For example, assuming that the non-negligible proportion of customers is elderly, or small and medium-sized corporations that dare to make paper-based transactions, even if they proceed without passbooks and seals, There is a risk that the business efficiency and customer satisfaction of the branch office as a whole will decline significantly. On the other hand, with regard to the semi-self method itself at the high counter counter, there are strong expectations as a method to realize cash touchless and scrutiny-less for employees at branch offices.

Therefore, an object of the present invention is to provide a technique that can appropriately handle conventional transactions using a passbook or the like when dealing with customers by a semi-self method, and realizes cash touchless and scrutiny-less for employees. is there.

The semi-self-management method of the present invention, which solves the above-mentioned problems, is a system in which a terminal provided at a branch office and a cash processing device are linked, and when the terminal makes a transaction with a customer who brings a passbook and a seal, the transaction is accompanied by the transaction. Each process of digitization and seal verification of the slip created and stamped with the seal, each process of the case conversion request to the branch office server and the execution request of the business flow, and the cash processing device to be linked. A process of notifying the accounting system of changes due to each transaction of each customer from the specified amount at the start of business as update information of the terminal account was executed, and the cash processing device was converted into a case at the terminal. By accepting the cash deposit / withdrawal operation performed by the customer in connection with the transaction, the corresponding data is notified to the accounting system as the update information of the cash machine account for each cash handling event.

Further, the semi-self-management system of the present invention is a system including a terminal provided at a branch office window and a cash processing device, and the terminal is created in connection with a transaction with a customer who brings a passbook and a seal. Each process of computerization and seal verification of the slip stamped with the seal stamp, each process of the case conversion request to the branch office server and the execution request of the business flow, and the start of business of the cash processing device to be linked. It executes a process of notifying the account system of changes due to each transaction of each customer from the specified amount at the time point as update information of the terminal account, and the cash processing device is converted into a case by the terminal. By accepting the cash deposit / withdrawal operation performed by the customer in connection with the transaction, the corresponding data is notified to the account system as the update information of the cash machine account for each cash handling event. And.

According to the present invention, when dealing with customers by the semi-self method, it is possible to appropriately deal with conventional transactions using passbooks and the like, and it is possible to realize cash touchless and scrutiny-less for employees.

It is a network block diagram including the semi-self-management system of this embodiment. It is a figure which shows the hardware configuration example of the branch office server in this embodiment. It is a figure which shows the hardware configuration example of the host in this embodiment. It is a figure which shows the hardware configuration example of ATM in this embodiment. It is a figure which shows the data structure example of the BTS account (hand handling) of this embodiment. It is a figure which shows the data structure example of the BTS account (machine mouth) of this embodiment. It is a figure which shows the data structure example of the ATM account of this embodiment. It is a figure which shows the data structure example of the BTS account (hand handling) of this embodiment. It is a figure which shows the data structure example of the BTS account (machine mouth) of this embodiment. It is a figure which shows the data structure example of the cash information in ATM of this embodiment. It is a figure which shows the data structure example of the logical ATM account of this embodiment. It is a figure which shows the flow example 1 of the semi-self management method in this embodiment. It is a figure which shows the flow example 2 of the semi-self management method in this embodiment. It is a figure which shows the screen example 1 in this embodiment. It is a figure which shows the screen example 2 in this embodiment. It is a figure which shows the screen example 3 in this embodiment. It is a figure which shows the screen example 4 in this embodiment. It is a figure which shows the screen example 5 in this embodiment. It is a figure which shows the screen example 6 in this embodiment. It is a figure which shows the screen example 7 in this embodiment. It is a figure which shows the screen example 8 in this embodiment. It is a figure which shows the screen example 9 in this embodiment. It is a figure which shows the screen example 10 in this embodiment. It is a figure which shows the screen example 11 in this embodiment. It is a figure which shows the screen example 12 in this embodiment. It is a figure which shows the screen example 13 in this embodiment. It is a figure which shows the screen example 14 in this embodiment. It is a figure which shows the screen example 15 in this embodiment. It is a figure which shows the screen example 16 in this embodiment. It is a figure which shows the screen example 17 in this embodiment. It is a figure which shows the screen example 18 in this embodiment. It is a figure which shows the screen example 19 in this embodiment. It is a figure which shows the screen example 20 in this embodiment. It is a figure which shows the screen example 21 in this embodiment. It is a figure which shows the update example of each account in this embodiment.

<Outline of the invention>

The semi-self management system and the semi-self management method described in the present embodiment are applied to a branch office terminal operated by a teller at a so-called high counter in a branch office, that is, a BTS (Banking teller Station) and a string thereof. It is assumed that the ATM or the cash machine for tellers (hereinafter referred to as ACT), which is an attached cash processing device, is linked.

In this embodiment, customers who visit a branch office with a passbook and a seal create a predetermined transaction slip at a high counter for transactions that previously required counter support (automatically using a support terminal or the like). After creating or creating by hand, you can easily exchange with the person in charge of customer support at the high counter, and perform the above-mentioned ATM or ACT cash deposit / withdrawal operation by your own operation. You can complete a series of procedures required for the transaction.

In such a case, the ACT, which should have been installed on the teller side in the counter in the past, is arranged outside the counter. Therefore, ACT can accept cash deposit / withdrawal operations by customers. ATMs are located in the ATM corner of the branch office as before.

On the other hand, under the above-mentioned premise, under the situation that transactions involving passbooks and seals are made into cases on the branch office server and managed, of course, BTS, ATM (or ACT), and host ( In the accounting system), each account is updated as the transaction progresses. The types of accounts handled here will be described later. In addition, at the closing timing such as the business end time at the branch office, the account related to BTS (hereinafter referred to as BTS account) is transferred to the account related to ATM (or ACT) (hereinafter referred to as ATM account) in the accounting system, and the BTS account is concerned. And update each of the ATM accounts. As a result of this update, the BTS account will be 0 yen, so it is possible to achieve a scrutiny-less operation without the need for conventional settlement operations such as cash counting.

In addition, as described above, since the information and business flow of each transaction that has been converted into a case are held in the branch office server, the bank employee who was dealing with the customer described above at the high counter, or the BT used.
Even if S is replaced, the flow and data can be taken over by accessing the branch office server with the BTS of the newly assigned employee.

In this way, it is possible for the high counter to handle transactions that require a passbook / seal in a semi-self format. This makes it difficult to use smartphones and Internet banking services, but it tends to increase satisfaction for those who are considered to be good customers (eg elderly people). In other words, for these customers, even if it is difficult to cope with the current situation of digitization and internetization, which is rapidly advancing in the general public, it is possible to trade with confidence in the traditional method and with the support of the teller by the side. This can lead to the maintenance and fostering of trust in the financial institution.

On the other hand, as a financial institution, it can surely maintain and expand the effective retention of the customer. In addition, business efficiency can be made better than before for transactions that require passbooks / seals, that is, transactions that require counter support, without significantly modifying the existing system.

On the other hand, the vendor side that provides such a semi-self-management system to financial institutions, together with financial institutions, will be able to provide a wide range of customers with a sense of security and satisfaction in transactions in an environment of good transaction efficiency.
<Network configuration>

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the semi-self-management system 10 of the present embodiment. The semi-self management system 10 shown in FIG. 1 is a computer system that can appropriately handle conventional transactions using passbooks and the like when dealing with customers by the semi-self method, and realizes cash touchless and scrutiny-less for employees. is there.

In the network configuration illustrated in FIG. 1, it is assumed that the semi-self-management system 10, the host 200 as a core banking system, and the ATM 300, which is an example of a cash processing device, are connected by an appropriate network.

Further, among the above configurations, the semi-self-management system 10 is composed of a branch office server 100 and a high counter 50. The high counter 50 is provided in the sales office and is a window for customers to visit. A teller (not shown) is arranged in the high counter 50, and leads the business regarding transactions requiring a passbook / seal while having an appropriate conversation with the visiting customer.

Therefore, a teller terminal operated by a teller, that is, a BTS 30, a scanner BLS70 connected to the terminal, and a passbook slip printer DSP80 are arranged in the high counter 50. Of these devices, the BLS 70 and the DSP 80 have the same functions and configurations as those of conventional general devices. On the other hand, the BTS 30 is a device that constitutes the semi-self-management system 10 of the present embodiment, and naturally has a function different from that of the conventional BTS.

Regarding the matter received by the BTS 30 of the high counter 50 described above, that is, the transaction is processed into a matter by the branch office server 100 (identification information is given to each matter, and data such as the content and progress of the transaction is managed as a business flow. ) Is planned. Further, in the branch office server 100, various accounts are updated as the transaction progresses from the BTS 30 as a starting point.

On the other hand, the ATM 300, which is a cash processing device, accepts the above-mentioned customer's cash deposit / withdrawal operation and executes each cash withdrawal / deposit operation in accordance with the above-mentioned processing related to the transaction in the BTS 30. The ATM 300 updates the cash information 325 in the ATM and the logical ATM account 326 in response to changes in the cash amount held by the stocker or the like due to such cash withdrawal / deposit.

On the other hand, the host 200 is a so-called core banking system, and accounts related to ATM 300 and BTS 30 of each branch under its control, that is, ATM account 225, BTS account (handling) 226, BTS account (machine unit) 227, and the like. It is updated and managed as appropriate. Other functions are the same as those provided by a general host.
<Hardware configuration>

Further, the hardware configuration of each device constituting the semi-self-management system 10 of the present embodiment will be described. FIG. 2 is a diagram showing a hardware configuration example of the branch office server 100 according to the present embodiment.
In this case, the branch office server 100 includes a storage device 101, a memory 103, an arithmetic device 104, and a communication device 105.
Of these, the storage device 101 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
Further, the memory 103 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103, etc., to perform integrated control of the apparatus itself, and to perform various determinations, arithmetic operations, and control processes.

Further, the communication device 105 is a network interface card that is appropriately connected to the networks 1 to 3 and is responsible for communication processing with other devices such as the host 200, the BTS 30, and the ATM 300.

In addition, in the storage device 101, in addition to the program 102 for implementing the function required as the branch office server 100 of the present embodiment, the BTS account (hand-handled) 125 and the BTS account (machine opening) 126. Various accounts are at least stored.

Subsequently, FIG. 3 shows an example of the hardware configuration of the host 200 of the present embodiment. The host 200 of this embodiment includes a storage device 201, a memory 203, an arithmetic device 204, and a communication device 205.
Of these, the storage device 201 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
Further, the memory 203 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 204 is a CPU that executes the program 202 held in the storage device 201 by reading it into the memory 203, etc., to perform integrated control of the apparatus itself, and to perform various determinations, arithmetic operations, and control processes.

Further, the communication device 205 is a network interface card that is responsible for communication processing with other devices such as the host 200 and the ATM 300 via the network 1.

In the storage device 201, in addition to the program 202 for implementing the functions required as the host 200 of the present embodiment, the ATM account 225, the BTS account (hand-handled) 226, and the BTS account (machine unit) 227 , Various accounts are stored at least.

Subsequently, FIG. 4 shows an example of the hardware configuration of the ATM 300 of the present embodiment. The ATM 300 of the present embodiment includes a storage device 301, a memory 303, an arithmetic device 304, an input device 305, an output device 306, and a communication device 307.
Of these, the storage device 301 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.
Further, the memory 303 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 304 is a CPU that executes the program 302 held in the storage device 301 by reading it into the memory 303, etc., to perform integrated control of the apparatus itself, and to perform various determinations, arithmetic operations, and control processes.
Further, the input device 305 is an appropriate device such as a keyboard, a mouse, and a microphone that accepts key input and voice input from the user.
Further, the output device 306 is an appropriate device such as a display or a speaker that displays the processing data in the arithmetic unit 304.

Further, the communication device 307 is a network interface card that is appropriately connected to the networks 1 and 3 and is responsible for communication processing with other devices such as the host 200 and the BTS 30.

In addition to the program 302 for implementing the functions required as the ATM 300 of the present embodiment, at least the cash information 325 in the ATM and the logical ATM account 326 are stored in the storage device 301.
<Example of data structure>

Subsequently, the tables used by the apparatus constituting the semi-self-management system 10 of the present embodiment will be described. FIG. 5 shows an example of the BTS account (hand-handled) 125 in the present embodiment. The BTS account (hand-handled) 125 is an account held by the branch office server 100, and according to the transfer of funds in the daily transaction performed on the BTS 30 on a slip basis, the specified amount at the start of the day (the specified amount (hand-handled) Example: It is a table that updates and manages the amount of money for each denomination from the one that is actually loaded in the linked ATM 300). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 6 shows an example of the BTS account (machine unit) 126 in the present embodiment. The BTS account (machine unit) 126 is an account held in the branch office server 100, and at the start of the day according to the transfer of funds in the ATM (or ACT) -based one-day transaction at the BTS 30. It is a table for updating and managing the amount of money for each denomination from the specified amount of money (eg, the one actually loaded in the linked ATM 300). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 7 shows an example of an ATM account 225 in the present embodiment. The ATM account 225 is an account held by the host 200, and according to the transfer of funds in a day's transaction performed at an ATM (or ACT), the specified amount at the start of the day (eg, the actual amount at the ATM 300). It is a table that updates and manages the amount of money for each denomination from the loaded one). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 8 shows an example of the BTS account (hand-handled) 226 in the present embodiment. The BTS account (hand-handled) 226 is an account held by the host 200, and is managed by the branch office server 100 under the control of the BTS account. This is a table for updating and managing the amount of money for each denomination from the specified amount of money at the start of business (eg, what is actually loaded in the linked ATM 300). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 9 shows an example of the BTS account (machine unit) 227 in the present embodiment. The BTS account (machine unit) 227 is an account held by the host 200, and responds to the transfer of funds in one-day transactions performed on an ATM (or ACT) basis at the BTS 30 managed by the branch office server 100 under its control. This is a table for updating and managing the amount of money for each denomination from the specified amount of money at the start of work on the day (eg, the one actually loaded in the ATM 300 linked with the BTS30). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 10 shows an example of cash information 325 in the ATM in the present embodiment. The cash information 325 in the ATM is the information held in the ATM 200, and the cash information held by the stocker, etc. in the ATM is the specified amount at the start of the day (example: predetermined) according to the opportunity of deposit and withdrawal. It is a table that updates and manages the specified value). The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination.

Further, FIG. 11 shows an example of the logical ATM account 326 according to the present embodiment. The logical ATM account 326 is information held in the ATM 200, and is based on the specified amount of money at the start of the day (eg, what is actually loaded in the ATM 300) according to the deposit and withdrawal at the ATM 200. , It is a table to update and manage the amount of money for each denomination. The data structure is a collection of records consisting of data such as the number of denominations, subtotals, and total amount for each denomination. <Flow example 1>

Hereinafter, the actual procedure of the semi-self management method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the semi-self management method described below are realized by a program read and executed by each device constituting the semi-self management system 10 in its memory or the like. Then, this program is composed of the code for performing various operations described below.

FIG. 12 is a diagram showing a flow example 1 of the semi-self management method in the present embodiment. Here, first, the flow associated with the transaction during the normal business of the branch office will be described.

In this case, the branch office server 100 (or a tablet of the high counter 50 associated with the branch office server 100) receives a request for starting a transaction from a customer who visits the branch office and notifies the ATM 300 near the high counter 50 of this request ( s10).

On the other hand, the ATM 300 receives the above notification, executes the menu display (see screens 1000 and 1010 in FIGS. 14 and 15) (s11), and receives the transaction content and its amount from the customer (s12). As illustrated in FIGS. 14 and 15, the transaction contents selected by the customer include, for example, deposit payment (withdrawal) from the customer's account, tax and public money payment and transfer using the withdrawn amount as a source of funds, and the like. You can envision demands related to transactions. At this time, the ATM 300 shall display an interface for accepting the amount designation of the transaction, as shown in the screen 1020 of FIG. 16 and the screen 1030 of FIG.

Subsequently, the ATM 300 displays an interface such as screen 1040 of FIG. 18 regarding the desired transaction method this time, allows the customer to select a transaction based on either a cash card or a passbook, and accepts this (s13). The result is notified to the branch office server 100.

On the other hand, when the branch office server 100 receives the notification of the selection result of the above-mentioned transaction method and the content is a cash card (s14: card), the person who is based on the cash card with respect to the above-mentioned ATM 300. Notify the authentication processing instruction.

In this case, the ATM 300 receives the above-mentioned processing instruction, executes the above-mentioned reading operation for the cash card set by the customer, and accepts the biometric authentication and the personal identification number for the customer, and executes a general personal authentication process. (S15).

Further, the ATM 300 notifies the branch office server 100 of the personal authentication result in the above-mentioned s15 (s16). Here, if the personal authentication is successful, the ATM 300 displays the customer account associated with the cash card, that is, the transaction account information as shown in the screen 1050 of FIG. 19, and prompts the customer to make a final confirmation.
When the branch office server 100 receives the above-mentioned personal authentication result and the result indicates an authentication failure (s19: N), the sales office server 100 ends the process.

On the other hand, when the above-mentioned personal authentication result indicates successful authentication (s19: Y), the branch office server 100 issues an ID such as a serial number for each transaction with respect to the transaction requested by the customer this time. Then, using this ID as a key, the information about the transaction is stored in the storage device 101 to execute the matter-making process (s20). Here, it is assumed that the customer requests a transaction of deposit withdrawal (withdrawal) from the account and makes a case for the withdrawal.

At this time, as shown on the screen 1060 of FIG. 20, the branch office server 100 displays in the transaction list 1061 that the item of the “withdrawal” transaction has been registered, that is, it has been converted into an item.
However, in the present embodiment, it is assumed that the above-mentioned customer requests not only the deposit withdrawal but also the tax and public money payment transaction using the amount withdrawn from the deposit withdrawal as a source of funds.
Therefore, each step of s10 to s20 in the above flow is repeatedly executed until there is a "transaction confirmation" instruction by the customer (s21: N to s10).

In that case, the customer does not press the "transaction confirmation" button on the screen 1070 of FIG. 21 displayed on the above-mentioned ATM 300, and selects "payment of taxes and various charges".

The ATM 300 sequentially displays the screens 1080 and 1090 of FIGS. 22 to 23, and allows the customer to select a method related to the transaction of payment of tax and public money. In the case of the screen 1090 of FIG. 23, the customer wants to make a transaction using a passbook (s14: passbook).
On the other hand, in the high counter 50 dealing with this customer, the teller in charge receives the tax payment slip from the customer and sets it in the BLS 70.

The branch office server 100 executes the payment slip reading by the BLS 70, and acquires the reading results as shown in the reading result display screens 1100 and 1110 of FIGS. 24 and 25. The operation of reading the payment slip on the BLS 70 is the same as that of the conventional one, and the content obtained by reading is also the same.

Further, the branch office server 100 outputs the screen 1120 of FIG. 26 to the above-mentioned teller in charge, sets the customer's passbook in the BLS 70, and receives the instruction of the reading operation, for example. It is assumed that the branch office server 100 acquires the transaction account information from the passbook by such an operation.

Further, as shown in the screen 1130 of FIG. 27 and the screen 1140 of FIG. 28, the branch office server 100 temporarily displays the contents obtained from the above-mentioned passbook on, for example, the ATM 300, and receives the customer's confirmation. ..

When the above confirmation is obtained, the branch office server 100 causes, for example, the BTS 30 to display the screen 1150 of FIG. 29 and prompts the above-mentioned teller in charge to carry out the procedure for creating the tax and public money slip. On the other hand, the teller in charge sets the tax and public money slip received from the customer in the BLS 70 and executes the reading operation. This tax and public money slip is stamped with a seal brought by the customer.

Therefore, the branch office server 100 acquires the seal imprint image of the seal stamped on the tax and public money payment slip via the BTS 30, and executes the seal verification process based on the image (s18). In this process, the branch office server 100 shall display, for example, the confirmation screen shown on the screen 1160 of FIG. For example, it can be assumed that the seal stamp verification process is executed by making a verification request to a system for seal stamp verification at the financial institution.
If the verification fails as a result of the above-mentioned seal verification (s19: N), the branch office server 100 ends the process.

On the other hand, if the verification is successful as a result of the above-mentioned seal verification (s19: Y), the branch office server 100 has up to this point regarding the tax and public money payment transaction as shown in the screen 1130 of FIG. 27 and the screen 1140 of FIG. The contents obtained in the above-mentioned deposit withdrawal are made into a case in the same manner as the above-mentioned deposit withdrawal, and are managed in association with the deposit withdrawal case (s20).

By the processing up to this point, the above-mentioned customer has completed the transaction of the desired series of transactions, that is, deposit withdrawal and tax and public money payment. Therefore, the customer browses the transaction menu 1170 and 1180 (FIGS. 31 and 32) at the ATM 200 and presses the transaction confirmation button.
On the other hand, in response to this (s21: Y), the branch office server 100 instructs the above-mentioned ATM 300 to execute processing (s22) and updates various accounts (s23).

On the other hand, the ATM 300 receives the above-mentioned instruction of processing execution, inquires to the host 200 regarding the corresponding transaction (s24), executes a series of transactions, and updates various accounts (s25).
Further, the ATM 300 displays the processing result (screen 1200 in FIG. 33, screen 1210 in FIG. 34) toward the customer (s26), and ends the processing.
The processing of updating each account in s23 and s25 in the above flow is as follows.

The BTS 30 notifies the branch office server 100 of the fluctuation (decrease in deposit withdrawal, increase in deposit) due to each transaction of each customer from the existing amount (however, the specified value) of the ATM 300 associated with itself at the start of business. .. Further, the branch office server 100 notifies the host 200 of this.

In this case, when the transaction method in the above-mentioned BTS 30 is a passbook, the branch office server 100 manages the transaction as a BTS account (hand-handled) 125. When the transaction method in BTS 30 is a cash card, the transaction is managed as a BTS account (machine unit) 126.

Similarly, when the transaction method in the BTS 30 described above is a passbook, the host 200 manages the transaction as a BTS account (hand-handled) 226. When the transaction method in BTS 30 is a cash card, the transaction is managed as a BTS account (machine unit) 227. The host 200 manages all transactions at the ATM 300 as an ATM account 225 as usual.

On the other hand, in the ATM 300 linked with the BTS 30, the host 200 is notified of the corresponding data for each cash handling event by accepting the cash deposit / withdrawal operation performed by the corresponding customer in connection with the transaction made into the case in the BTS 30. At the host 200, the actual amount of money at the ATM 300 at the start of the day is updated and managed as the ATM account 225.

A specific image of such an update form of each account is illustrated in FIG. 35. In the example of FIG. 35,
In the BTS30 of the high counter 50, how the account is handled when 1000 yen is stored in the ATM300 in the deposit transaction and when 1000 yen is deposited in the ATM300 in the transaction method using the passbook. It shows whether it is.

On the other hand, when the closing time of the branch office (eg, the business end time of the day) arrives, the host 200 transfers the above BTS account to the ATM account and updates each of the BTS account and the ATM account. It becomes. As a result, since the BTS account becomes 0 yen, the conventional settlement work such as cash counting is unnecessary and there is no need for scrutiny. This situation is also illustrated in the lower part of FIG. 35.

Further, the flow generated at the above-mentioned tightening timing of FIG. 13 will be illustrated. Here, it is assumed that the branch office server 100 monitors the arrival of a predetermined time by its own clock function or the like (s20).

When the arrival of the above-mentioned time is detected (s20: Y), the branch office server 100 specifies the difference from the start of the BTS account (handling) 125 managed by the branch office server 100 (s21). This difference can be assumed to be, for example, the difference of the value at the end of work from the specified value (the number of sheets and subtotal for each denomination, total amount) at the start of business on the day. This difference is not an absolute value, but indicates the increase and decrease values of the denomination (in the case of increase, it is a positive value, and in the case of decrease, it is a negative value).

Subsequently, the branch office server 100 reflects the number of denominations (results of daily fluctuations) indicated by the above difference in the BTS account (machine unit) 126 (s22). Specifically, the above difference is added to the specified value of the BTS account (machine unit) 126 at the start of business.
Further, the branch office server 100 notifies the host 200 of the number of denominations indicated by the above difference (s23), and returns the BTS account (handling) to the initial value (s24).

On the other hand, the host 200 receives the notification of the above-mentioned difference, reflects the difference in its own BTS account (machine unit), that is, executes the repatriation (s25). The method of reflecting is the same as the method performed by the branch office server 100 in s22. Further, the host 200 returns the BTS account (hand-handled) 226 to the initial value (s26), and ends the process.

Since the information and business flow of each transaction made into a project on the branch office server 100 is held on the branch office server 100, even if the teller in charge or the BTS30 is replaced, the flow or the flow or the like is performed on the transaction related to a certain customer. Data can be taken over.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

According to this embodiment, when dealing with customers by the semi-self method, it is possible to appropriately deal with conventional transactions using passbooks and the like, and it is possible to realize cash touchless and scrutiny-less for employees.

The description herein reveals at least the following: That is, in the semi-self management method of the present embodiment, the accounting system receives the update information of the terminal account from the terminal, updates the terminal account held by itself, and the cash from the cash processing device. It may be possible to receive the update information of the machine account and update the cash machine account held by itself.
According to this, in the accounting system, it is possible to efficiently and accurately manage the accounts managed by itself based on various accounts held by BTS and ATM.

Further, in the semi-self management method of the present embodiment, the accounting system detects the arrival of a predetermined closing time, transfers the terminal account to the cash machine account, and updates each of the terminal account and the cash machine account. May be.

According to this, in the accounting system, for example, at the closing timing such as the business end time in one day, the remittance processing is automatically executed to make the BTS account zero, and the conventional scrutiny work can be avoided.

Further, in the semi-self-management method of the present embodiment, the sales office server stores various information related to the customer's transaction in the storage device in accordance with the case-making request and the business flow execution request from the terminal. When the terminal in charge of the transaction is changed, a predetermined takeover process for associating the information of the matter and the business flow with the new terminal changed by the change may be executed.

According to this, based on the information and business flow of each transaction that has been converted into a project and managed by the branch office server, even if the employee in charge of the relevant transaction or the BTS changes, the flow and data will not be taken over inconsistently. It becomes possible to do it efficiently.

Further, in the semi-self management system of the present embodiment, the accounting system receives the update information of the terminal account from the terminal, updates the terminal account held by itself, and the cash from the cash processing device. It may be said that it receives the update information of the machine account and updates the cash machine account held by itself.

Further, in the semi-self management system of the present embodiment, the accounting system detects the arrival of a predetermined closing time, transfers the terminal account to the cash machine account, and updates each of the terminal account and the cash machine account. May be.

Further, in the semi-self-management system of the present embodiment, the sales office server stores various information related to the customer's transaction in the storage device in accordance with the case-making request and the business flow execution request from the terminal. When the terminal in charge of the transaction is changed, the predetermined takeover process for associating the information of the matter and the business flow with the new terminal changed by the change may be executed.

1-3 Network 10 Semi-self management system 30 BTS
70 BLS
80 DSP
100 Sales office server 101 Storage device 102 Program 103 Memory 104 Arithmetic device 105 Communication device 125 BTS account (hand-handled)
126 BTS account (machine unit)
200 hosts (core banking)
201 Storage device 202 Program 203 Memory 204 Arithmetic logic unit 205 Communication device 225 ATM account 226 BTS account (hand-handled)
227 BTS account (machine unit)
300 ATM (Cash Processing Machine)
301 Storage device 302 Program 303 Memory 304 Arithmetic device 305 Input device 306 Output device 307 Communication device 310 Cash processing mechanism 325 Cash information in ATM 326 Logical ATM account

Claims (8)

In a system that links a terminal provided at a branch office with a cash processing device
When the terminal makes a transaction with a customer who brings a passbook and a seal, each process of computerization and seal verification of the slip created in connection with the transaction and stamped with the seal, and a request for making a case to the branch office server And, each process of the execution request of the business flow and the change due to each transaction of each customer from the specified amount at the time of business start of the cash processing device to be linked are notified to the accounting system as the update information of the terminal account. And execute the process
When the cash processing device accepts a cash deposit / withdrawal operation performed by the customer in connection with a transaction made into a case on the terminal, the corresponding data is used as update information of the cash machine account for each cash handling event. Notify the accounting system,
A semi-self-management method characterized by this. The core banking system
Receives the update information of the terminal account from the terminal, updates the terminal account held by itself, and updates the terminal account.
Receives the update information of the cash machine account from the cash processing device, and updates the cash machine account held by itself.
The semi-self-management method according to claim 1, wherein the semi-self management method is characterized in that. The core banking system
Detects the arrival of a predetermined closing time, transfers the terminal account to the cash machine account, and updates each of the terminal account and the cash machine account.
The semi-self-management method according to claim 2, wherein the semi-self management method is characterized in that. The branch office server
In response to the case-making request and the business flow execution request from the terminal, various information related to the customer's transaction is stored in the storage device.
When the terminal in charge of the transaction is changed, a predetermined takeover process for associating the information of the matter and the business flow with the new terminal changed by the change is executed.
The semi-self-management method according to claim 1, wherein the semi-self management method is characterized in that. It is a system that includes a terminal and a cash processing device provided at the sales office.
When the terminal makes a transaction with a customer who brings a passbook and a seal, each process of computerization and seal verification of the slip created in connection with the transaction and stamped with the seal, and a request for making a case to the branch office server And each processing of the execution request of the business flow and the change due to each transaction of each customer from the specified amount at the time of business start of the cash processing device to be linked are notified to the accounting system as the update information of the terminal account. To execute the processing to be done
When the cash processing device accepts a cash deposit / withdrawal operation performed by the customer in connection with a transaction made into a case on the terminal, the corresponding data is used as update information of the cash machine account for each cash handling event. It notifies the accounting system,
A semi-self-management system that features this. The core banking system
Receives the update information of the terminal account from the terminal, updates the terminal account held by itself, and updates the terminal account.
It receives the update information of the cash machine account from the cash processing device and updates the cash machine account held by itself.
The semi-self-management system according to claim 5. The core banking system
It detects the arrival of a predetermined closing time, transfers the terminal account to the cash machine account, and updates each of the terminal account and the cash machine account.
The semi-self-management system according to claim 6, wherein the semi-self management system is characterized in that. The branch office server
When various information related to the customer's transaction is stored in the storage device in accordance with the case-making request and the business flow execution request from the terminal, and the terminal in charge of the transaction is changed, the case and the case and the business flow are executed. It executes a predetermined takeover process that links the business flow information to the new terminal changed by the above change.
The semi-self-management system according to claim 5.