JP2781087B2 - Transaction information processing system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system such as a currency exchange system constructed by a financial institution such as a bank, which manages a transaction history of a client who is a customer and stores information in the transaction history. The present invention relates to a transaction information processing system used as transaction input data.

[0002]

2. Description of the Related Art Conventionally, for example, in a financial institution such as a bank, there is a foreign exchange transfer transaction as one of the transactions, and a foreign exchange transaction processing system has been constructed in order to perform this transaction. When performing a currency transfer transaction using this system, when classified according to the operator's viewpoint in performing the transaction processing, the following two methods are broadly adopted. That is, <Method 1> A case where a person belonging to a financial institution such as a bank clerk is an operator, a client visits a branch office or the like, and a request form provided in the branch office, for example, as shown in FIG. , The client fills in and submits predetermined items (for example, the name and address of the client, the name of the financial institution to be transferred, the account number, and the transfer amount). Subsequent transaction processing operations are performed by a bank employee or the like based on the contents entered in the request form.

<Method 2> The client himself is the operator, and the client visits a store or the like and uses an automatic transaction device such as an automatic transfer machine installed in the store or the like. The client makes a transfer by inputting data corresponding to the contents to be entered in the foreign exchange transfer request form in Method 1 using an automatic transfer machine or the like. Here, considering the method 2, the following technology is disclosed as a technology for facilitating the data input operation of the client.

(1) As described in Japanese Patent Publication No. Hei 3-18227, the transfer destination data of a plurality of transferees for each transferee is stored at a center, and the transfer operation is performed at the time of transfer operation. The destination data is displayed as a list on an automatic transfer machine or the like, and the transferee is selected from the displayed list.

(2) As described in JP-A-3-81870, a transfer-destination financial institution designation screen in which transfer-destination financial institutions are arranged is set and registered for each business office in descending order of use frequency. In addition, when specifying the transfer destination financial institution,
The above-mentioned screen is preferentially displayed.

[0006]

In the case of a foreign exchange transfer transaction, there is a case where only one transfer is made to the same transfer destination. However, not only this, but also a transfer to the same transfer destination many times. In many cases (for example, the purchase price is transferred to a specific person on the day following the payday every month).

Considering the latter case, in the method 1 described in the prior art, since the transfer destinations are the same, the contents to be entered in the transfer request form are almost the same (there is a possibility that the contents are different about the amount). Nevertheless, the client must fill out a transfer request form every time a transfer transaction is made. Also,
From the financial institution's point of view, it is necessary for a bank clerk or the like to perform the operation every time. There is hope that I want it.

Further, in the method 2 of the prior art, if a list of transfer destination data is displayed on an automatic transfer machine or the like, the client can select necessary data, so that the operation is easy. In order to utilize such technology more effectively, it is important for the client to appropriately display desired data at the time of operation. When accumulating information and registering settings, the client is required It is important that financial institutions do not have to do much.

[0009] The present invention has been made in view of the above points, and for a person who manages and operates a transaction processing system such as a financial institution, a client such as a client is preferably provided with an automatic transaction such as an automatic transfer machine. At the same time as having the customer use the device, the trouble of accumulating and setting the information to be displayed on the automated teller machine can be omitted, and the customer can fill in the request form such as a transfer request form It is an object of the present invention to provide a transaction information processing system in which the data input operation is performed as little as possible when the customer performs the transaction operation as much as possible.

[0010]

A transaction information processing system according to the present invention is a transaction information processing system for receiving transaction information from predetermined input means and performing predetermined transaction processing based on the transaction information. Means, transaction history information storage means, information extraction instruction means, information extraction means,
Output means, the transaction information storage means stores information of a necessary part of the transaction information in the transaction history information storage means, and the information extraction instructing means transmits the input transaction information to the information extraction means. When the extraction is instructed, the information extraction means extracts, based on the information stored in the transaction history information storage means, input transaction information likely to be used in subsequent transactions, and the output means The extracted input transaction information is printed on a paper medium for entering transaction request items, and the output input transaction information is used as transaction information input from the input means.

The output means is provided in a relatively large number of distributed stores such as business offices, and is used to enter transaction request items based on instructions from a terminal device installed in the store. The input transaction information extracted as described above is printed on a paper medium.

[0012]

In the transaction information processing system having the above configuration, transaction information is inputted from a predetermined input means and a predetermined transaction process is performed based on the transaction information. Is stored in the transaction history information storage means. And
When the information extraction instructing means instructs the information extracting means to extract the input transaction information, the information extracting means may be used in a subsequent transaction based on the information stored in the transaction history information storage means. The high input transaction information is extracted, and the output means prints the extracted input transaction information on a paper medium for entering transaction request items. Thereafter, the input means uses the output input transaction information as the transaction information input from the input means.

[0013]

[0014]

[0015]

The output means is provided in a relatively large number of distributed stores such as business offices, and is used to enter transaction request items based on instructions from terminal devices installed in the stores. The input transaction information is printed on a paper medium.

[0017]

[0018]

[0019]

[0020]

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below in detail with reference to the drawings. 1 is a conceptual diagram of the present invention, FIG. 2 is a configuration example of a system to which the present invention is applied, FIG. 3 is a hardware configuration diagram of an automatic transfer machine, FIG. 4 is a hardware configuration diagram of a window device, and FIG. Hardware configuration diagram of issuing machine, FIG. 6
Is a hardware configuration diagram of a FAX-OCR control device and a FAX-OCR processing device, FIG. 7 is a hardware configuration diagram of a TC, FIG. 8 is a hardware configuration diagram of a HOST, FIG. 9 is an example of an exchange transfer request form, and FIG. 11 is a flowchart of a transfer process in a facsimile machine, FIG. 13 is a flowchart of a transfer process in a facsimile machine, FIG. 13 is a flowchart of a transfer process in a facsimile-OCR processing device, and FIG. FIG. 15 is a flowchart of the batch issuing process, FIG. 16 is a flowchart of the individual issuing process, FIG. 17 is a flowchart of the process of the card issuing machine, FIG. 18 is a flowchart of the extracting process, and FIG. is there.

In this embodiment, description will be made mainly assuming that the present invention is applied to a transfer transaction processing of a foreign exchange in a bank or the like.

First, the configuration of a system to which the present invention is applied will be described with reference to FIG. In FIG. 2, reference numeral 1 denotes a card issuing machine for issuing a transfer card for use by a customer in the case of a foreign exchange transfer transaction; Transfer machine,
Reference numeral 3 denotes a teller machine installed at a bank office or the like, which is operated by a full-time operator such as a bank employee to perform a transaction such as currency transfer processing, etc. 4 denotes a card issuing machine 1, an automatic transfer machine 2, a teller machine 3, etc. Terminal control device (hereinafter, referred to as "T
5) is a facsimile machine (hereinafter referred to as "FAX") for reading the contents of the transfer request written by the customer, converting it into image data, and performing transmission and the like. is set up. 6 is FAX
FAX that receives image data transmitted from the 5
An OCR control device, 7 is connected to a FAX-OCR processing device 7 for performing predetermined processing relating to character recognition and currency transfer based on image data received by the FAX-OCR control device 6; This is a workstation for a dedicated operator to check the contents of the transfer request form transmitted from the FAX 5 and to input necessary information, and is installed at a district center such as a bank. Reference numeral 9 denotes a TC 4 and a communication line 11 installed in each branch office.
And a host computer a (hereinafter referred to as “HOS”) for intensively performing predetermined processing (for example, exchange message exchange processing, transaction settlement processing, and the like) related to exchange transfer.
Ta ”) and is installed in an office center or the like belonging to the same bank or the like as each branch office. 10 is HOSTa
9 is a host computer b (hereinafter, referred to as “HOSTb”) owned by another financial institution or the like different from the bank or the like that owns 9.

Next, the outline of the present invention will be described by assuming that the customer performs the exchange transfer processing by the automatic transfer machine 2 as shown in FIGS.
This will be described with reference to FIG.

A customer visits a bank office or the like where the automatic transfer machine 2 is installed, and inputs transaction data required for the transfer from the automatic transfer machine 2. The input data includes the client name, address, telephone number, information about the customer, financial institution name, account number, payee name, and the current transfer amount, etc. All or part of the input data required in such a case is collectively referred to as “input transaction information”).

Here, the customer who came to the store this time may perform the first transfer transaction this time, but considering that the transfer is made to the same person periodically, for example, excluding the amount (depending on the transfer purpose) Includes the amount), and most of the other input transaction information described above is the same every time (hereinafter, the input transaction information that is commonly used in such multiple transactions and does not change is referred to as “fixed input transaction information”). Therefore, in order to simplify these inputs, for example, when the client name is input, there is a possibility that HOSTa9 or the like may use the customer's current transaction from the foreign exchange transfer transaction history stored in advance. High input transaction information (that is, input transaction information that is likely to be fixed input transaction information) is extracted and displayed on the automatic transfer machine 2. The customer, if the input transaction information displayed on the automatic transfer machine 2 can be used for the current transaction, directly designates it, and a plurality of input transaction information is displayed, among which the necessary information for the current transfer is displayed. If such input transaction information is included, the input transaction information is selected. Automatic transfer machine,
The input transaction information specified or selected by the customer is treated as input data. If necessary, the specified or selected input data is partially changed, or the customer inputs the missing input data from the automatic transfer machine 2. As described above, since all the input data necessary for the customer's transfer transaction has been prepared, the transfer transaction is performed by transmitting the input data from the automatic transfer machine 2 to the HOSTa 9.

On the other hand, in the HOSTa 9, it is natural that the transfer transaction processing is performed. In addition to this processing, every time a transfer transaction occurs, the history of the transaction information is stored, and the fixed input from the automatic transfer machine 2 is performed. When there is a request for transaction information, input transaction information that is likely to be fixed input transaction information is extracted based on the stored history of transaction information and transmitted to the automatic transfer machine 2.

In consideration of the fact that a customer may make a transfer transaction using a transfer card, the HOSTa9 has a high possibility that the information is fixed input transaction information for a required customer at an appropriate time. The input transaction information is extracted, and the input transaction information is recorded on the transfer card. This card is provided to the customer by mail or the like, so that the customer can make a transaction using the card.

The above will be summarized and described again with reference to FIG. 1 as follows. That is, when the transaction processing B (foreign exchange transfer processing in the above example) is performed based on the information input by the input means A (the automatic transfer machine 2 in the above example), the transaction information storage means C (in the above example, the exchange transfer processing). HOSTa 9) stores the transaction information (in the above example, information on the customer himself / herself in the transfer, information on the transfer destination, etc.) in the transaction history information storage means D.
(HOSTa9 in the above example). When the information extraction instructing means E (in the above example, the automatic transfer machine 2 or HOSTa9) instructs to extract the input transaction information, the information extracting means F (in the above example, HOSTa9) stores it in the transaction history information storage means D. Based on the information, the input transaction information which is likely to be used for the subsequent transaction is extracted, and this information is output to the output means G (in the above example, the automatic transfer machine 2).
Or HOSTa 9) is output in a predetermined mode (in the above example, display on the automatic transfer machine 2 or recording on the transfer card)
I do. The output plurality of input transaction information is selected by the selection means H (the automatic transfer machine 2 in the above example) as necessary, and the selected input transaction information is used at the time of input.

Next, the exchange transfer processing will be described in detail.

First, the transfer processing by the automatic transfer machine 2 will be described.

First, the hardware configuration will be described.

As shown in FIG. 3, the automatic transfer machine 2 includes a processor 201, a memory 202, and a floppy disk drive 2.
03, communication control unit 204, keyboard 205, display unit 2
TC4, a transfer card reading unit 207, a magnetic recording unit 208, a hopper 209, a printing unit 210, and a cash processing unit 211.
It is connected to the.

TC4 is a processor 4 as shown in FIG.
01, memory 402, floppy disk device 403,
Disk (hereinafter referred to as "DK") control unit 404, DK4
05, terminal control unit 406, timer 407, line control unit 4
08, an input unit 409, and a display unit 410, and are connected to the HOSTa9 via the communication line 11.

As shown in FIG. 8, the HOSTa 9 includes a processor 901, a memory 902, and a magnetic tape device (hereinafter referred to as “M”).
T ”) control unit 903, MT904, DK control unit 9
05, DK906, terminal control unit 907, timer 908,
It comprises a line control unit 909, an input unit 910, and a display unit 911, and is connected to various terminal devices such as the card issuing machine 1.

Next, referring mainly to FIGS. 11 and 14,
The transfer processing using the automatic transfer machine 2 will be described in detail. This process is performed by a program. This program is read from the floppy disk by the floppy disk device 203 and stored in the memory 202 in advance.

A customer visits a bank office or the like where the automatic transfer machine 2 is installed, and enters the keyboard 20 of the automatic transfer machine 2.
5 or from the magnetic card reading unit 207, the transaction data necessary for the transfer is input manually or by reading the transfer card. As described above, the input data includes the client name, address, telephone number, and the name of the financial institution, account number, payee name, and the amount of the current transfer (ie, input transaction information). is there.

First, the program determines what the customer's input means is (step S201). This determination is made based on whether the customer has read the transfer card from the magnetic card reading unit 207 or whether the customer has operated the keyboard 205 first without reading the transfer card.

If the customer operates the keyboard 205 for the first time, it is determined that the input transaction information is to be input from the keyboard 205. Since the procedure to be performed by the customer is to input the client information first, the client inputs the client information from the keyboard 205 (step S20).
2). Then, based on the client information, the program is H
In order to request the OSTa 9 to extract the fixed input transaction information of the customer, an extraction request message (not shown) is assembled (step S 203), and the extracted message is transmitted through the communication control unit 204 via the TC 4 via the HOSTa 9. (Step S204). The purpose of this is to request the HOSTa 9 for the fixed input transaction information so that it is troublesome for the customer to input all the transaction data from the keyboard 205 by keying or the like, so that it is only necessary to give an instruction or a selection.

When the HOSTa 9 receives the extraction request message from the automatic transfer machine 2, the HOSTa 9 performs a predetermined process (described later), creates an extraction message (not shown), and transmits it to the automatic transfer device 2 via the TC 4. Therefore, the program receives the extracted electronic message through the communication control unit 204 (Step S205). Thereafter, the program extracts the input transaction information (highly likely to be fixed input transaction information) set in the format as shown in FIG. (Step S206).

In the case where the input is made with a transfer card, the input transaction information (the fixed input transaction information is likely to be high) is recorded in the transfer card (detailed explanation of the recording method will be described later). Displays the input transaction information read from the transfer card on the display unit 206, and displays the information in step S205.
Is displayed in the same format as when the input transaction information is received from HOSTa9 (step S206).

Next, from the input transaction information displayed on the display unit 206, the customer instructs or selects transaction information that can be used for the current transaction, or selects (when a plurality of pieces of transaction information are displayed) the touch panel on the touch panel on which the information is displayed. The user touched a part of the portion, or touched the number displayed together with the information on the keyboard 205), or partially changed the displayed information by keying on the keyboard 205 if necessary. Thereafter (step S207), the input transaction information that is insufficient (for example, the amount of the transfer) is input from the keyboard 205 (step S208).

The customer finishes inputting all the input transaction information, and deposits cash corresponding to the transfer amount into the cash input unit provided in the cash processing unit 211 (note that the transfer is handled in cash Not only that, but also specify a debit account as part of the input transaction information, and
When there is a method such as Ta9 performing a withdrawal process), the cash processing unit 211 performs a predetermined process such as counting of cash (step S209). When the customer confirms that the input data (and the inserted amount of cash) is correct, the customer presses an end key (not shown) provided on the keyboard 205 (step S210). This allows the program to:
Based on the input transaction information, a transfer message (not shown) including input means information, that is, information on whether the information was input using a transfer card or only using a keyboard without using a transfer card. (Step S
210), and requests the TC4 to transmit the transfer message to the HOSTa9 through the communication control unit 204 (Step S).
212). The TC 4 transmits the requested transfer message via the communication line 11 to the HOSTa installed in the office center.
9 After the transmission request (or after confirming the transmission to HOSTa9), the program notifies the customer that the transfer transaction has been completed and determines whether or not to create a transfer card based on the input transaction information used for the transaction. A message is displayed on the display unit 206 for the user to make a selection. Based on the message, the customer determines whether or not a transfer card is issued, and inputs the necessity or necessity from the keyboard 205 or the like (step S214). If the program determines that the transfer card is not issued based on the input data, the printing unit 210 prints a transaction statement relating to the transaction if necessary and provides it to the customer, and then ends the processing. If the program determines in step S214 that it is necessary to issue a transfer card, the stored unrecorded transfer card is transferred to the hopper 209.
Takes out and transfers the transfer card to the magnetic recording unit 208 and the printing unit 210. Then, the information selected or input in step S207 and step S208, that is, the input transaction information is recorded on the transfer card by the magnetic recording unit 208, and the required input transaction information and other information are transferred to the transfer card by the printing unit 210. The transfer card is provided to the customer by discharging the transfer card from a transfer card outlet (not shown) (step S215). Thereafter, if necessary, a transaction statement relating to the transaction is printed by the printing unit 210 and provided to the customer, and the process is terminated. Step S
Regarding the processing in 215, all or a part of the input transaction information displayed in step S206 may be recorded on the transfer card.

Next, the processing of the HOSTa 9 will be described with reference to FIG.

This processing is performed by a program.
This program is executed, for example, from the DK 906 to the DK control unit 9.
05 and stored in the memory 902 in advance. When the program receives a message from TC4 via the communication line 11 and the line control unit 909 (step S
501), the message type is determined (step S502).
This is because the messages transmitted from the TC 4 to the HOSTa 9 include the extraction request message and the transfer message as can be understood from the above description. If it is a transfer message, the program extracts necessary information set in the transfer message and usable in later transactions, that is, necessary information including input transaction information such as client information and transfer destination information (step S503). The data is stored in the DK 906 via the DK control unit 905 (step S504), and thereafter, a process related to an exchange transfer transaction is performed (step S505). In addition,
At the time of storing the necessary information in the DK 906, the input means information set in the transfer message is determined. For example, if it is determined that the transaction information is input by a transfer card, the transaction information of the transaction is transmitted to the DK 906. It may be configured not to be stored. The reason for this is that, for example, if the above-mentioned necessary information is stored for the purpose of issuing a transfer card at a later date, if the transaction was made with the transfer card, the input transaction information of the transaction is recorded again on the transfer card This is because, even if the input transaction information is stored, the storage area of the DK 906 is wasted. Further, when the input means is FAX5 as described later, since the transaction information is stored in the FAX-OCR processing device 7, the storage of the transaction information may be omitted in the HOSTa9.

In step S502, if the message received from TC4 is an extraction request message, the program sends the client information (client name, etc.) set in the extraction request message and serving as a search key for extraction. After setting as a parameter (step S506), an extraction processing subroutine is called (step S507). The extraction processing subroutine performs the extraction processing based on the transaction information available in the transaction at a later date stored in the DK 906, and returns the extraction information to the program in the format shown in FIG. 19, for example. An extracted message is assembled based on the extracted information (step S508) and transmitted to the TC 4 via the communication line 11 (step S509).

Next, a description will be given of the exchange transfer processing by the counter device 3.

First, the hardware configuration of the window device 3 will be described.

The window device 3 includes a processor 301, a memory 302, and a floppy disk device 30 as shown in FIG.
3. Communication control unit 304, keyboard 305, display unit 30
6. The printing section 307 is connected to the TC 4 installed in the same office.

Next, referring mainly to FIG.
Will be described in detail. The counter device 3 is different from the automatic transfer machine 2 described above, and is not operated by the customer himself, but operated by a dedicated operator who is a bank clerk.

This processing is performed by a program.
This program is read from the floppy disk by the floppy disk device 303 and stored in the memory 3.
02 is stored in advance. A customer who wishes to make a transfer transaction fills in the necessary items (items corresponding to the input transaction information) in a request for exchange transfer as shown in FIG. 9 and submits it to the receptionist of the bank.

When the reception clerk receives the transfer request form filled in by the customer from the customer, the operator of the window apparatus 3 (in some cases, the reception clerk also serves as the above-mentioned reception clerk or not) fills out the transfer request form. Transaction data is input from the keyboard 305 based on the transaction information (step S101). When the operator completes the input of all the transaction data and confirms that the transaction data is correct, the operator presses an end key (not shown) on the keyboard 305 (step S102). Accordingly, the program assembles a transfer message based on the input data (step S103), and requests the TC4 to transmit the transfer message to the HOSTa9 through the communication control unit 304 (step S104). After that, TC4 and HOSTa9
Is the same as the processing described in the transfer processing by the automatic transfer machine 2 described above.

In the above description, all transaction data is input from the keyboard 305. However, instead of step S101, the same processing as steps S202 to S208 in FIG. 11 may be performed. good.

Next, a description will be given of a transfer process performed by a system using a facsimile machine (hereinafter, referred to as "FAX-OCR system").

First, the hardware configuration of the system will be described.

The FAX 5 is a FAX-FAX which is installed at a district center for centrally managing each sales office via the communication line 11.
It is connected to the OCR control device 6 and has a FAX-O
The CR control device 6 is located in the same area center as F
It is connected to the AX-OCR processing device 7. FAX-O
The CR processing device 7 is also connected to the TC 4, and the TC 4 is connected to the HOSTa 9 via the communication line 11. FAX
-The OCR control device 6 includes a processor 6 as shown in FIG.
01, memory 602, communication control unit 603, line control unit 6
04, a DK control unit 605, a DK 606, and an image conversion unit 607. The FAX-OCR processing device 7 includes a processor 701 and a memory 70 as shown in FIG.
2. DK control unit 703, DK 704, terminal control unit 70
5, a timer 706, a communication control unit 707, a recognition device control unit 708, and a recognition device 709.
The R processing device 7 is connected to various terminal devices such as the workstation 8 and the card issuing machine 1 via the terminal control unit 705 and the TC 4 via the communication control unit 707.

Next, the F described above with reference to FIGS.
The transfer processing using the AX-OCR system will be described.

Also in the FAX-OCR system, unlike the automatic transfer machine 2 described above, the customer does not operate, but a dedicated operator who is a bank clerk operates.

The customer who wishes to make a transfer transaction fills in the necessary items (items corresponding to the input transaction information) in an exchange transfer request form as shown in FIG. 9 and submits it to the receptionist of the bank.

When the reception clerk receives the transfer request written by the customer from the customer, the operator of the FAX 5 (which may or may not serve as the reception clerk) sets the transfer request at the sales office. FAX5, and set the F
Have AX5 read the transfer request form. FAX
Reference numeral 5 reads the transfer request form (step S301), converts the read data into image data (compressed), and transmits the image data to the FAX-OCR control device 6 installed in the district center via the communication line 11. (Step S3
02).

The image data received through the line control unit 604 by the FAX-OCR control device 6
The image data is converted into a predetermined image data format by the image conversion unit 607 of the OCR control device 6, and the whole or a part of the data is converted into the DK 606 via the DK control unit 605 as necessary.
Is stored in the FAX-OC through the communication control unit 603.
The data is transmitted to the R processing device 7 (step S401).

Next, the processing in the FAX-OCR processing device 7 will be described.

This processing is performed by a program.
This program is executed, for example, from the DK 704 to the DK controller 7.
03 and stored in the memory 702 in advance. Next, the program converts the image data received from the FAX-OCR control device 6 through the communication control unit 707 into character data using the recognition device 709 (step S402). When converting to character data,
The entire received image data (that is, the entire contents of one transfer request form is converted into image data) may be uniformly converted to character data, or a specific portion of the image data may be converted to character data first. After the conversion, it may be determined which part of the image data is to be converted to character data based on the character data, and only the determined part may be converted to character data. When the conversion from the image data to the character data is completed, it is continuously determined whether or not the currency transfer processing is to be performed based on the character at the specific position of the character data (in this embodiment, the request form division K shown in FIG. Is determined to be a foreign exchange transfer process), if the transfer process, based on the character data, transaction information that can be used in transactions at a later date, that is, necessary information including input transaction information such as client information and transfer destination information Is extracted (step S403), and stored in the DK 704 via the DK control unit 703 together with the image data corresponding to the character data (ie, the image data to be converted into character data) (step S404). next,
The program performs predetermined processing based on the character data of the transfer processing stored in the DK 704 in step S403,
The data is edited into a predetermined format and, if necessary, is combined with image data.
Display on an RT display or the like. The operator belonging to the district center checks the transfer transaction data displayed on the display unit of the workstation 8 and confirms the transfer transaction data if necessary. When a predetermined key on the operation unit of the station 8 is pressed, the program judges that the exchange transfer data displayed on the display unit of the workstation 8 is correct, and based on the data displayed on the display unit, the input means sets F
It is assembled into a transfer message including information indicating that it is AX5 (step S405), and transmitted to HOSTa9 via TC4 (step S406). Step S40
3 and the process performed in step S404 may be performed based on the transfer message performed in step S405.

As described above, the exchange transfer processing is performed.

Next, the transfer card issuing process will be described.

The purpose of issuing the transfer card is to the client
If possible, use an automatic transaction machine such as an automatic transfer machine, so that the client does not need to write a request form, and for financial institutions, labor saving and effective use of the automatic transaction device and currency exchange system It is to plan.

The transfer card issuing process includes a batch issuing process for intensively issuing a transfer card for a required customer at an office center, a district center, or the like, and a requester at a business office or the like every time the client requests it. And an individual issuing process for issuing a transfer card.

First, the batch issuing process will be described.

Description will be made assuming that the HOSTa 9 performs the processing at the office center.

This processing is performed by a program.
This program is executed, for example, from the DK 906 to the DK controller 9.
05 and stored in the memory 902 in advance.

First, it is determined whether or not it is time to issue (step S601). As a determination method, for example, it is determined whether a predetermined date and time (for example, a predetermined time after the end of the month) has been reached by the timer 908, or the input unit 910
This is because the operator inputs a command. When it is determined that the issuance time has come, one customer to whom the transfer card is to be issued (for example, a certain customer stored in the DK 906 as a transaction history) is taken out and client information and the like are set as parameters (step S602) The extraction processing subroutine is called (step S603). Next, for example, the extracted information shown in FIG.
07, the card issuing machine 1 is instructed to issue a card by sending it to the card issuing machine 1 (step S604). As described above, since the issuance of the card for one customer has been completed, whether the issuance for the required customer has been completed (for example,
It is determined whether all of the stored customers have been completed or all of the customers according to a certain classification). If there are still customers to be processed, the processing is repeated from step S602. If all the required customers have been processed, the processing is terminated ( Step S60
5).

This processing is performed not only for HOSTa9 but also for HOSTa9.
It is also possible to perform the processing in the FAX-OCR processing device 7.

Next, a card issuing process in the card issuing machine 1 will be described.

First, the hardware configuration of the card issuing machine 1 will be described.

The card issuing machine 1 includes a processor 101, a memory 102, a floppy disk device 103, a communication control unit 104, an input unit 105, a display unit 106, and a magnetic recording unit 10.
7, a printing unit 108, a hopper 109, and a stacker 110.

The processing of the card issuing machine 1 will be described with reference to FIG.

This processing is performed by a program.
This program is read from the floppy disk by the floppy disk device 103 and stored in the memory 1.
02 is stored in advance.

As described above, when the card issuance instruction is received from the HOSTa 9 or the like (step S801), the stored unrecorded transfer card is taken out by the hopper 109, and the transfer card is conveyed to the magnetic recording unit 107 and the printing unit 108. Then, information to be recorded on the transfer card (client name, transfer destination information, ie, input transaction information, and other input transaction information such as early and late, etc.) which are set in the issuance instruction received in step S801. All or a part of the client information Ii, the transfer destination information FDij, and the transfer timing information FTij shown in FIG. 19, which are necessary information such as attribute information, etc. (step S802), are extracted by the magnetic recording unit 107 and the printing unit 108. The transfer card is recorded on the transfer card (step S803), and the transfer card is
It is stored in 0 (step S804). Next, it is determined whether or not all received information has been output to the card (step S805).
Is repeated, and if all output has been completed, the process is terminated.
When the necessary information to be recorded on the transfer card is taken out in step S802, the input unit information (for example, the transfer unit information FMij shown in FIG. 19) set in the issuance instruction is determined. If it is determined that the input is information, the transaction information of the transaction may not be taken out.
This is effective when it is not necessary to record the input transaction information of the transaction on the transfer card again if the transaction was previously made with the transfer card.

Next, the individual issuing process will be described.

An instruction is issued from the window device 3, and the process is performed at TC4.
Will be described.

This processing is performed by a program.
This program is read from the floppy disk by the floppy disk device 403 and stored in the memory 4.
02 is stored in advance.

When the operator requests the customer to issue a card, the operator inputs requester information from the keyboard 305 (step S701). Then, TC4 receives this information and assembles an extraction request message (step S702).
It transmits to HOSTa9 (step S703). TC4
Receives the extracted message from HOSTa9 (step S7)
04) and the TC 4 issues a card issuance instruction to the card issuing machine 1 (step S705).

The processing of the card issuing machine 1 is the same as the processing shown in FIG. 17 described above.

In this way, the transfer card is issued at the business office and immediately passed to the customer.

Instead of issuing the transfer card, the same information as the card issuing instruction information is sent to the counter 3
C4 may be transmitted, and the counter device 3 may print a foreign exchange transfer request form as shown in FIG. 9 in the printing unit 307 based on the information. By doing so, the customer only needs to fill in the minimum items (for example, only the amount) in the foreign exchange transfer request form next time. This is effective in a branch office where an automatic transaction device such as the automatic transfer machine 2 is not installed.

[0086] The instruction for issuing a card and printing the request for money transfer has been described as being performed by the operator of the counter device 3.
9 can be determined based on information set explicitly or implicitly in the transfer request message, for example, to instruct the TC 4 to output.

Next, the extraction processing subroutine shown in FIG. 18 will be described. This subroutine is called from a main routine which is a program for performing a transfer process and a batch issue process in the HOSTa9 shown in FIGS. 14 and 15, for example. The following description is based on the assumption that the program is a HOSTa9 program. The main input parameter when calling this subroutine is the name of the customer who has made a transaction in the past, that is, the name of the client. By using the client name specified as an input parameter as a search key, all the transaction histories stored in the DK 906 are searched, all the transactions performed by the client in the past are taken out, and the memory 902 is retrieved.
Alternatively, it is temporarily stored in the DK 906 or the like (step S90
1). The following processing is performed based on the temporarily stored contents.

First, for the extracted transactions (these transactions are all transactions performed by the same client in the past), the transactions are further classified for each transferee (step S).
902). For transactions classified by each transferee (hereinafter referred to as “same transferee transaction group”) (note that there may be only one transaction that constitutes the same transferee transaction group)
Perform processing. First, it is determined whether or not the processing has been completed for all the same transferee transaction groups (step S903). If the processing has been completed, the process proceeds to step S909. If the transaction has not been completed, the same transfer destination transaction group that has not been processed is selected as one to be processed, and it is determined whether or not there is only one transaction that constitutes the same transfer destination transaction group (step S904). ). If there is only one case, step S908
Transfer processing to If it is more than one transaction, that is, if it is composed of a plurality of transactions, it is determined whether or not the transactions constituting the same transfer-destination transaction group are transactions that occur almost regularly (step S905). For example, the transfer destination information and other related information (for example, transfer timing, transfer means, number of transfers, etc.) are stored in, for example, the DK 906 (step S9).
07) The process moves to step S903 to perform a process for another same transferee transaction group. Transactions that occur almost regularly mean, for example, transactions that have been performed almost every month or week, although the day is not specified, for example, a day close to a specific day of the month (of course, (Including transactions that are taking place).

If it is determined in step S905 that the transaction does not occur almost regularly, it is determined whether the transaction is the transaction that has occurred most recently (step S905).
906) If so, the transferee information and other related information (eg, transfer timing, transfer means, number of transfers, etc.)
Is stored in, for example, the DK 906 (step S907),
The process shifts to step S903 to perform the process for another same transferee transaction group. If the transaction has not occurred recently, the transferee information is not stored, and the process immediately shifts to step S903. Here, the recent transaction means a transaction that occurred in a past predetermined date and time range with reference to the date and time when this subroutine is executed, and the meaning of many means a certain predetermined date and time. It means that the number is larger than the number based on the number of times. In this process, transactions that occur almost regularly and transactions that have recently occurred frequently are extracted independently (that is, under the OR condition), but instead, they are extracted under the AND condition. It is good.

Next, the processing (step S908) in the case where it is determined in step S904 that there is only one transaction constituting the same transfer destination transaction group (step S908). In this case, since there is only one transferee in the past transaction, there is a high possibility that transfer to the transferee will not be made in future transactions. In such a case, the process in step S908 is not performed, and the process immediately proceeds to step S903.) However, even if only one transfer has been made to the payee in the past, it may be determined that the transfer possibility is high in the future (for example, the payee is a trading company specialized in installment payment, etc. If there is explicit or implicit information in the transaction information that suggests the possibility of future transactions),
If it is determined that the transaction possibility is high, the process proceeds to step S907, and if it is determined that the transaction possibility is low, step S90 is performed.
Move the process to 3.

The viewpoint of the transaction determination in steps S904 to S906 and step S908 is to extract input transaction information that is likely to be used in a transaction that will occur in the future based on past transaction history and transaction information. However, the present invention is not limited to the processing described above.

Next, in step S903, if it is determined that the processing has been completed for all the same transfer-destination transaction groups, based on the transaction information stored in step S907, it is determined whether or not the information amount covers a plurality of media. Is determined (step S909). In other words, it means that it can be accommodated in a single medium, such as whether it can fit into one transfer card, if it is a request form, it will be multiple request forms, If it is a screen, it will fit on one screen. The type of medium and the amount of information are specified by parameters or implicitly determined in advance.

If it is determined that the data is to be stored in a plurality of media, it is further determined whether or not the media should be accommodated in a single medium (conditions depend on parameters and the like) (step S910). Step S911). As a method of limitation, from the extracted transaction information, the number of transactions occurring frequently and the frequency of recent occurrences are adopted in order, or step S905 and step S906 are performed in O.
If the processing is performed under the R condition, the processing is performed again under the AND condition. The point of limitation is to leave transaction information that is likely to be used in future transactions, and is not limited to the above-described processing.

If it is not necessary to store in a single medium, for example, a transfer card is classified and arranged so as to be convenient for use, such as dividing into transactions likely to occur in the first and second months of the month (step). S913).

The information to be returned to the main routine has been completed as described above. The information is reviewed again, and the classified units are arranged in order of, for example, a transaction having a high possibility of being used in a descending order of the number of transactions. Then, for example, it is assembled in the format shown in FIG. 19 (step S912), and the processing is shifted to the main routine. The format shown in FIG. 19 will be described below. Ii is the client information, which is the client name specified as a parameter or other information relating to the client when the conditions are relaxed, and means a search key when the subsequent data is extracted. Pi is the number of input transaction information and the like extracted as a result of a search using the search key stored in Ii. FDij is the extracted j-th transfer destination information, which is the core information of the input transaction information. FTij is the extracted j-th transfer time information (date, time, etc., at which the transaction based on the input transaction information stored in FDij was performed). FMi
"j" is a transfer means in which a transaction based on the extracted j-th transfer means information (such as input transaction information stored in FDij) has been performed, and is, for example, a teller machine, an automatic transfer machine, or a keyboard. Information on whether the information is input or input by a transfer card). Note that i means the number of pieces of client information, and j means the number of pieces extracted based on the same search key, ie, client information.

Next, if it is determined in step S909 that the information can be accommodated in a single medium, it is determined whether or not the extraction information should be added (by specifying a parameter or the like) (step S9).
14) If it is determined that the information should be added, the extraction conditions are relaxed, and the information to be extracted if the search key is searched not by the client name but by the client name is the search key ( Example: search all transaction histories stored in the DK 906 with the same address or telephone number as the client name, retrieve all the transactions performed by the customer corresponding to the search key in the past, and retrieve them in the memory 902 or the DK 906. Etc. (Step S915). This is because, for example, in the case of a transfer card, it may be convenient if the transfer destination of the transfer transaction performed by not only the person but also one of the family members is in the same transfer card. The point of view of the conditions to be relaxed in the search is that all transactions of the client concerned are to be extracted, and also transactions closely related to the client such as family members are extracted. Depending on privacy and confidentiality, it may be preferable to extract data in some cases.
It is also possible to store these pieces of information together so as not to be extracted. These considerations should be determined in consideration of the nature of the transaction and the type of information.)

When the processing in step S915 is completed, the processing moves to step S902 so as to repeat the processing from step S902 again.

In this subroutine, the transactions to be searched are all the transactions stored as the transaction history. However, since it takes time to search all the transactions, for example, the transactions after a certain period of time are performed. It is also possible to take measures such as targeting a specific part or organizing each client at the time of storage.

Further, it is not necessary to perform all the processes described above in the same apparatus (HOSTa9 in the above example). For example, steps S901 to S908
The processing of this subroutine may be performed by distributing the processing to each device, for example, the processing is performed by HOSTa9, and the processing from step S909 to step S914 is performed by the TC 4 or the card issuing machine 1.

The description of one embodiment of the present invention based on the foreign exchange transaction is completed above. Of course, the present invention is not limited to the above-described embodiment relating to the exchange transaction, and may be configured as follows.

1. In the above embodiment, the storage of the transaction history and the extraction of the input transaction information and the like are performed by HOSTa9 or FSTa9.
Although it has been described that the processing is performed by the AX-OCR processing device 7, the processing is not limited thereto, and the processing may be performed by the TC 4, the automatic transfer machine 2, or the like.

2. In the above embodiment, the description has been made as the exchange transfer processing. However, the present invention is not limited to this. For example, when applying for processing, such as commuter pass issuance processing and various ticket issuance processing, information about the customer is applied. Transaction information that requires input of transaction information including the transaction information that may be periodically requested by the customer is applicable.

The output medium is not limited to a recording medium such as a transfer card which is recorded by magnetism or printing, but also an IC card,
It is also possible to use a medium for recording by an electromagnetic method or another method such as an optical card.

[0104]

As described above, according to the present invention, the following effects can be expected. That is, in a transaction information processing system in which transaction information is input from predetermined input means and performs predetermined transaction processing based on the transaction information, necessary information of the transaction information is stored in the transaction history information storage means. Every time, the information extraction instructing means
When instructing the extraction of the input transaction information, the information extraction unit extracts the input transaction information that is likely to be used in subsequent transactions based on the information stored in the transaction history information storage unit, and the output unit Then, the input transaction information extracted as described above is printed on a sheet medium for entering transaction request items.
Thereafter, the input means uses the output input transaction information as the transaction information input from the input means. Therefore, the transaction information can be collected without any trouble, and in the subsequent transactions, the trouble at the time of input can be omitted and the operation can be facilitated.

[0105]

[0106]

[0107]

[0108]

Further, the output means is provided in a relatively large number of distributed stores such as business offices, and is used to fill in transaction request items based on instructions from terminal devices installed in the stores. Since the input transaction information obtained by extracting the information is printed on a paper medium, for customers who frequently use a branch office where an automatic transaction device is not installed, it is possible to reduce the time and effort required to complete the transaction at the time of a subsequent transaction request. Become.

[0110]

[0111]

[0112]

[0113]

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of the present invention.

FIG. 2 is a configuration example of a system to which the present invention is applied;

FIG. 3 is a hardware configuration diagram of the automatic transfer machine.

FIG. 4 is a hardware configuration diagram of a window device.

FIG. 5 is a hardware configuration diagram of the card issuing machine.

FIG. 6 is a hardware configuration diagram of a FAX-OCR control device and a FAX-OCR processing device.

FIG. 7 is a hardware configuration diagram of a TC;

FIG. 8 is a hardware configuration diagram of a HOST.

[Fig. 9] Example of an exchange transfer request form

FIG. 10 is a flowchart of a transfer process in the counter device.

FIG. 11 is a flowchart of a transfer process in the automatic transfer machine.

FIG. 12 is a flowchart of a transfer process in a facsimile.

FIG. 13 is a flowchart of a transfer process in the FAX-OCR processing device.

FIG. 14 is a flowchart of a transfer process in HOST.

FIG. 15 is a flowchart of a batch issuing process;

FIG. 16 is a flowchart of an individual issuing process.

FIG. 17 is a flowchart of processing of the card issuing machine.

FIG. 18 is a flowchart of an extraction process.

FIG. 19: Extraction information and format example

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Card issuing machine 2 Automatic transfer machine 3 Window device 4 Terminal control device (TC) 5 Facsimile device (FAX) 6 FAX-OCR control device 7 FAX-OCR processing device 8 Workstation 9 Host computer a (HOSTTa) 10 Host computer b (HOSTb) 11 communication lines 101, 201, 301, 401, 601, 701, 9
01 processor 102, 202, 302, 402, 602, 702, 9
02 memory 103, 203, 303, 403 floppy disk device 104, 204, 304, 603, 707 communication control unit 105, 409, 910 input unit 106, 206, 306, 410 display unit 107, 208 magnetic recording unit 108, 210, 307 Printing unit 109, 209 Hopper 110 Stacker 205, 305 Keyboard 207 Transfer card reading unit 211 Cash processing unit 404, 605, 703, 905 Disk (DK)
Control unit 405, 606, 704, 906 Disk (DK) 406, 705, 907 Terminal control unit 407, 706, 908 Timer 408, 604, 909 Line control unit 410, 911 Display unit 607 Image conversion unit 708 Recognition device control unit 709 Recognition device 903 Magnetic tape device (MT) control unit 904 Magnetic tape device (MT)

──────────────────────────────────────────────────続 き Continuation of the front page (56) References JP-A-61-131168 (JP, A) JP-A-61-279975 (JP, A) JP-A-62-281056 (JP, A) JP-A 64-64 82174 (JP, A) JP-A-3-26165 (JP, A) (58) Fields investigated (Int. Cl. ⁶ , DB name) G06F 19/00 G07D 9/00 436

Claims (2)

(57) [Claims] 1. A transaction information processing system in which transaction information is input from a predetermined input means and performs predetermined transaction processing based on the transaction information. A transaction information storage means, a transaction history information storage means, an information extraction instruction Means, information extraction means, and output means, wherein the transaction information storage means stores information of a necessary part of the transaction information in the transaction history information storage means, and wherein the information extraction instructing means outputs the information. When the extraction means is instructed to extract the input transaction information, the information extraction means, based on the information stored in the transaction history information storage means, has a high possibility that the input transaction information will be used in subsequent transactions. The output means prints the extracted input transaction information on a sheet medium for filling in transaction request items, and outputs the output input transaction information to the input means. Trading information processing system characterized by the use as a transaction information input from. 2. The output means is provided in a relatively large number of distributed stores such as business offices, and is used to enter transaction request items based on instructions from terminal devices installed in the stores. 2. The transaction information processing system according to claim 1, wherein the input transaction information extracted is printed on a paper medium.