JP4553686B2 - Information processing method, computer system, and deposit card for automatic cash dispenser - Google Patents

Description

  The present invention relates to information processing technology for improving the efficiency of sales office work in a bank.

  Conventionally, a bank store has required a large number of personnel for window operations. In addition, after completing the necessary forms, the customer also waits until the turn comes, and even if the turn comes, it is necessary to wait until the processing of the person in charge at the counter is completed. It took a lot of time and effort. For example, a case where tax payment is performed will be described with reference to FIG. If the customer has cash for tax payment, the customer waits for the turn in the lobby according to the reception card, for example (step (1)). Next, in the order of the customer, when called from the person in charge of the counter, the name and the like are written on the receipt slip at the high counter (step (2)), and the completed receipt slip, tax payment slip and cash are handed over. Then, the customer waits for processing by a contact person in the lobby (step (3)). On the other hand, the person in charge of the window receives the receipt slip, the tax payment form and the cash from the customer and confirms them (step (4)). For example, the person in charge of the window inputs data such as a name, a case type code (for example, an identification number of a local government), a monetary amount, etc., to the sales office terminal and transmits the input data to the host computer. Also do. It is necessary to confirm input data firmly so that there are no errors. After the cash storage process (step (5)) by the cashier, etc., and the receipt issuing process (step (6)) by the person in charge at the window, the receipt is returned to the customer and the process is completed (step ( 7)). For cash storage, etc., it is necessary to make sure that cash is entered and exited without error. Note that data transmission to the host computer is performed at any timing up to the receipt issuing process. The customer can finally leave the store in step (7). In addition, operations such as sending tax payments to the central office are also required at sales offices.

  In this way, sales offices require a lot of work to eliminate mistakes when handling cash manually, and many confirmation items such as confirmation of receipts, payment slips, and input data are generated. In order to keep time to a certain extent, it is difficult to reduce the number of personnel.

  Next, a computer system used for conventional processing in such a store will be described with reference to FIGS. FIG. 2 shows a conventional computer system. The host computer 1000 is connected to the AP server 1100 via the network 1520 in the bank. The AP server 1100 is connected to a plurality of sales office servers 1200 and an office concentration center server 1300 via a network 1510. The sales office server 1200 is connected to a plurality of sales office terminals 1210 and 1220 installed in the sales office or behind the sales office via a sales office LAN 1230. The office concentration center server 1300 is connected to a plurality of office concentration center terminals 1320 and 1330 installed in the office concentration center via an office concentration center LAN 1340.

  The host computer 1000 includes an account deposit program 1010, an account withdrawal program 1011, a deposit account DB 1012, and a transfer dedicated account DB 1013. The office concentration center server 1300 includes a message control program 1311 and a message DB 1312. The branch terminal 1210 includes a bill processing program 1211. The same applies to the branch terminal 1220. The office concentration center terminal 1320 includes a settlement program 1321. The same applies to the office concentration center terminal 1330. The AP server 1100 includes a message control program 1111. Although the branch office server 1200 includes a message control program, the illustration is omitted because only relay processing is performed here.

  The person in charge at the sales office or the like inputs the name related to the tax payment, the case type code (for example, identification information of the local government), the payment amount, etc. to the account processing program 1211 of the sales office terminal 1210. The account processing program 1211 of the branch terminal 1210 accepts input of a name, a case type code, a payment amount, and the like, generates a cash payment telegram for the host computer 1000, and transmits it to the branch server 1200 (FIG. 3). Step S1001). The sales office server 1200 receives a cash payment telegram with tax payment for the host computer 1000 from the sales office terminal 1210, and transfers it to the AP server 1100 (step S1003). Further, the telegram control program 1111 of the AP server 1100 receives a cash payment message for tax payment to the host computer 1000 from the branch office server 1200 (step S1005), and deposits the cash payment message for the tax payment into the transfer dedicated account. A processing request is generated and transmitted to the host computer 1000 (step S1007). The account deposit program 1010 of the host computer 1000 receives the deposit processing request to the deposit dedicated account from the AP server 1100 (step S1009), and performs deposit processing on the deposit dedicated account DB 1013 according to the item type code and the payment amount data. (Step S1011). Then, when the process is completed, a payment process completion notification to the account dedicated for transfer is transmitted to the AP server 1100 (step S1013). The telegram control program 1111 of the AP server 1100 receives a payment processing completion notification to the account dedicated for transfer from the host computer 1000 (step S1015), generates a payment processing completion notification, and performs a payment processing on the requesting branch terminal 1210. A completion notification is transmitted to the sales office server 1200 (step S1017). The sales office server 1200 receives the payment processing completion notification for the sales office terminal 1210 and transfers it to the sales office terminal 1210 (step S1019). The account processing program 1211 of the branch terminal 1210 receives the payment processing completion notification from the sales server 1200 and displays it on the display device (step S1021). By performing such processing, the person in charge of the window can recognize that the registration in the system is completed, and can perform other processing such as generating a receipt.

  Note that the processing in the AP server 1100 shifts to the processing in FIG. The message control program 1111 of the AP server 1100 generates an in-process message including data such as a name, a case type code, and a payment amount included in the cash payment message for tax payment related to the completion of payment processing, and the office concentration center server 1300 (Step S1023). The message control program 1311 of the office concentration center server 1300 receives the in-process message from the AP server 1100 and stores it in the message DB 1312 (step S1025).

  Thereafter, when the tax payment notice is sent from the sales office to the central office, the person in charge of the central office operates the office central center terminal 1320 to call in-process message data related to the tax payment form to be settled. Enter instructions for. The settlement program 1321 of the office concentration center terminal 1320 receives an instruction input from the person in charge, and transmits an in-process message data request to the office concentration center server 1300 (step S1027). When receiving the in-process message data request from the office concentration center terminal 1320 (step S1029), the message control program 1311 of the office concentration center server 1300 reads out the in-process message data from the message DB 1312 and transmits it to the operation concentration center terminal 1320 (step S1029). S1031). The settlement program 1321 of the office concentration center terminal 1320 receives the in-process message data from the office concentration center server 1300 and displays it on the display device (step S1033). The person in charge compares the contents of the tax payment document with the display contents to confirm whether there is any problem. If it is determined that there is no problem, the person in charge inputs a settlement instruction related to the in-process message to the settlement program 1321 of the office concentration center terminal 1320. The settlement program 1321 of the business concentration center terminal 1320 receives a settlement instruction related to the in-process message from the person in charge, and transmits a settlement request for the host computer 1000 to the business concentration center server 1300 (step S1035).

  When receiving the settlement request for the host computer 1000 from the office concentration center terminal 1320, the message control program 1311 of the office concentration center server 1300 transfers it to the AP server 1100 (step S1037). The message control program 1111 of the AP server 1100 receives the settlement request relating to the in-process message from the office concentration center server 1300 (step S1039), and based on the settlement request relating to the in-process message, the transfer dedicated account withdrawal request and the transfer destination account A deposit request is generated and transmitted to the host computer 1000 (step S1041).

  The host computer 1000 receives the transfer dedicated account withdrawal request and the transfer destination account deposit request (step S1043). Then, the processing shifts to FIG. The account withdrawal program 1011 of the host computer 1000 performs the deposit-only account withdrawal process on the deposit-only account DB 1013 (step S1045), and the account deposit program 1010 performs the deposit account deposit process on the deposit account DB 1012. Implement (step S1047). If you need to send money to another bank, carry out the money transfer process. When such processing is completed, the account deposit program 1010 transmits a processing completion notification to the AP server 1100 (step S1049). The message control program 1111 of the AP server 1100 receives a process completion notification from the host computer 1000 (step S1051), generates a process completion notification for the work concentration center terminal 1320 that is the transmission source of the payment request relating to the in-process message, and The data is transmitted to the center server 1300 (step S1051). The telegram control program 1311 of the business central server 1300 receives the processing completion notification from the AP server and forwards it to the business central center terminal 1320 (step S1053). The settlement program 1321 of the business concentration center terminal 1320 receives the processing completion notification from the business concentration center server 1300 and displays it on the display device (step S1055). As a result, the person in charge at the office concentration center recognizes that the settlement processing has been completed. On the other hand, the message control program 1311 of the office concentration center server 1300 registers the process completion for the accumulated message data related to the process completion notification in the message DB 1312 (step S1057). As a result, settlement processing is not performed for the same in-process message.

There are various documents about such general bank operations. For example, the following URL is also described.
Shinoka Morioka ATM Transfer Service, [October 21, 2004 Search], Internet <URL: http: // http: //www.morishin.co.jp/ebank/index.htm#atm>

  As described above, the conventional counter operations at the bank sales offices require manpower, and the customer has a waiting time, which is not preferable for both. In addition, ATM (Auto Teller Machine) can be used for depositing, withdrawing, and transferring money, and it is connected to the host computer through the network. No consideration is given to the cooperation. Moreover, although the transfer card is used for ATM, the present transfer card is for transferring to a fixed transfer destination. Furthermore, the amount has not been decided.

  Accordingly, an object of the present invention is to provide a new information processing technique for improving the operational efficiency of sales office work in a bank.

  Another object of the present invention is to provide a new transfer card necessary for improving the business efficiency of sales office work in a bank.

  An information processing method according to a first aspect of the present invention includes a module computer including an automatic teller machine and a branch office terminal, a host computer having a module box deposit / withdrawal data storage unit, and a module box order data storage unit, and an office work. An information processing method executed by a computer system having a centralized center terminal. And issuing a cash dispenser card in which the identification information, handling amount information, and transaction identification information of a specific customer are recorded by a branch office terminal, and in the cash dispenser, When payment is used, specific customer identification information, transaction amount information, and transaction identification information are read from the automatic teller card, and identification of a specific customer is confirmed when payment according to the transaction amount information is confirmed. Sending a deposit processing request to the host computer including information, handling amount information and transaction identification information, and receiving data on the deposit processing request at the host computer, depositing according to the handling amount information related to the deposit processing request Registration is performed for the module box deposit / withdrawal data storage unit, and the module box order data storage unit receives deposit processing. A registration step for registering specific customer identification information, handling amount information, and transaction identification information related to the request in a state where the data of the remittance destination is insufficient, and transactions at the office concentration center terminal at any timing after the registration step. When remittance destination identification information is input corresponding to the identification information, a settlement request step for transmitting a settlement request to the host computer including transaction identification information and remittance destination identification information, and data relating to the settlement request in the host computer. Upon receipt, the withdrawal registration is performed for the module box deposit / withdrawal data storage unit according to the transaction amount information corresponding to the transaction identification information related to the settlement request, and the remittance processing is performed according to the destination identification information associated with the settlement request, Remittance destination identification corresponding to transaction identification information related to payment request in module box order data storage And a step of registering the broadcast.

  By using the module box and cash dispenser card as described above to perform the process as described above, it is possible to reduce office work at the branch and reduce customer waiting time. . It should be noted that processing results similar to those in the prior art can be obtained by performing necessary work at the office concentration center.

  The automatic teller machine further includes a step of outputting a slip indicating the completion of the deposit processing and discharging the automatic teller machine card from which the recorded data is erased when the processing completion notification for the deposit processing request is received. Also good. For example, the person in charge at the sales office can give the customer a document similar to that used at a conventional window by pressing a receipt on the customer receipt of the tax payment slip in exchange for this slip. In addition, when using the automatic teller machine card repeatedly, in order not to make the same deposit with the same automatic teller machine card, the recorded data is deleted in the automatic teller machine when the processing is completed. .

  Furthermore, when the computer system further includes a business concentration center server having an in-process data storage unit and receives data related to the deposit processing request after the registration step, the business concentration center server stores the data in the in-process data storage unit. And further comprising a step of storing and a step of reading the corresponding data from the work-in-process data storage unit when the request is received from the office concentration center terminal at the office concentration center server, and transmitting to the office concentration center terminal. The requesting step may be performed by the office concentration center terminal using data received from the office concentration center server.

  In the deposit card for an automatic teller machine according to the second aspect of the present invention, the specific customer identification information and the transaction identification information are recorded in a state where specific remittance destination data is insufficient. By using such a card, it is possible to reduce the trouble of operating the automatic teller machine by the customer. In addition, in processing such as tax payment, the person in charge at the sales office that deals with the customer can avoid the work that causes the mistake such as inputting the item type code having a large number of digits.

  A program for causing a computer to execute the information processing method according to the present invention can be created. The program is, for example, a storage medium or storage device such as a flexible disk, a CD-ROM, a magneto-optical disk, a semiconductor memory, and a hard disk. Stored in In some cases, digital signals are distributed over a network. Note that data being processed is temporarily stored in a storage device such as a computer memory.

  According to the present invention, it is possible to improve the business efficiency of sales office work in a bank.

  FIG. 6 shows an example of a layout in a bank office when an embodiment of the present invention is applied. In this embodiment, a set of the ATM 902 (902a to 902c in FIG. 6) and the financial terminal 904 (904a to 904c in FIG. 6) is called a module box, and a plurality of the module boxes are prepared. One person in charge of the sales office 908 is arranged for each financial terminal 904, and when preparing a general counter (not shown), personnel are allocated for the general counter. When a customer 906 needs to perform processing related to a conventional window service, the customer 906 is queued when he / she visits a bank office. Then, it moves to a vacant module box and tells the person in charge 908 of the sales store the purpose. The sales representative 908 operates the financial terminal 904 based on a request from the customer, and requests cashing of the ATM 902 corresponding to the financial terminal 904 if cash payment is necessary. The customer 906 operates the ATM 902 to deposit cash. The sales representative 908 assists the customer 906 if necessary. In this way, the sales representative 908 stops handling cash directly and asks the customer 906 to process the ATM 902 directly. Thereby, the staff for cash handling can be reduced. In addition, the ATM 902 is directly operated by the customer as much as possible so that the customer does not fill in a form or the like, and the confirmation work by the sales staff 908 is also reduced. Customers will operate ATM902 on their own, but they do not have to fill out forms and the waiting time, which is the most problematic, is reduced. .

  Next, a description will be given of the processing in the bank's branch when paying tax cash. First, when the customer 906 visits the store, he / she queues up in the queue 900 (step (11). When the turn comes, he goes to an empty module box and tells the sales representative 908 that he / she wants to pay the tax. The payment notice is handed over to the sales person in charge 908 (step (12)) At this time, the customer 906 does not need to fill in the receipt slip, and the sales person in charge 908 confirms the tax payment form. , Input data such as name, amount, etc. to the financial terminal 904, issue an ATM-dedicated card for ATM, and give it to the customer 906 (step (14)). Confirmation and waiting for work (step (13)) The person in charge of the sales office 908 does not input the case type code (for example, identification information of the local government) described in the payment slip. By not be deemed the person in charge 908 of Goten, rapid procedure is possible.

  Next, the customer is queued for the ATM 902 of the module box (step (15)), but it is considered that such a waiting time hardly occurs. Then, the customer 906 inserts the MB-dedicated card received from the sales representative 908 into the ATM 902 and operates the ATM 902 to perform cash deposit processing (step (16)). When the depositing process is completed, the ATM 902 prints and outputs a receipt slip and discharges the inserted MB dedicated card. The customer 906 gives the receipt slip and the MB dedicated card to the person in charge 908 of the sales office (step (17)). The person in charge 908 of the sales office confirms the receipt slip and the MB dedicated card, and performs a receipt process such as pressing a receipt stamp on the tax payment slip (step (18)). Then, the taxpayer copy of the payment slip is returned to the customer 906 (step (19)). This completes the tax payment process. Customer 906 can leave the bank office. The sales representative 908 attaches the receipt slip to the tax payment slip and keeps it until it is sent to the central office.

  Compared with the conventional flow shown in FIG. 1, the waiting time of the customer 906 is clearly reduced, and improvement in customer satisfaction is expected. Further, it can be seen that the work of the sales representative 908 has also decreased because the customer 906 operates the ATM 902 himself.

  Although the amount of office work at the branch office has been reduced, the office concentration center requires additional work for receipt slips and tax payments. That is, the office concentration center needs to confirm the tax payment slip and receipt slip, input the item type code, and associate the payment in the ATM 902 with the actual tax payment destination. Therefore, the processing sequence number is issued at the financial terminal 904, written on the MB dedicated card, and printed on the receipt slip. Therefore, such association can be easily performed by the person in charge at the office concentration center.

  A system configuration for performing the above processing will be described with reference to FIG. The host computer 100 is connected to the AP server 110 via the network 150. The AP server 110 is connected to the office concentration center server 130 and a plurality of branch office servers 120 via a network 160. The office concentration center server 130 is connected to a plurality of office concentration center terminals 140 (140a and 140b in FIG. 8) installed in the office concentration center via an office concentration center LAN 170. The branch office server 120 is connected to a plurality of branch office module boxes formed by a set of the ATM 124 and the financial terminal 121 via the branch office LAN 180.

  The host computer 100 includes an account deposit program 101, an account withdrawal program 102, an order management program 103, a remittance processing program 104, a deposit account DB 105, a module box (MB) dedicated account DB 106, and an order management. DB107 is included. In addition, the AP server 110 includes a message control program 111. The office concentration center server 130 includes a message control program 131 and an in-process message DB 132. The store server 120 also includes a message control program like the AP server 110, but the process executed by the message control program of the store server 120 is a message relay process because the process related to the present embodiment is a message relay process. It is omitted here.

  The office concentration center terminal 140a includes a settlement processing program 141. The ATM 124 includes a deposit / withdrawal program 125, and includes an MB dedicated card reader / writer (not shown). Since the MB dedicated card is almost the same as a transfer card that can be issued by the ATM 124 from the past, it is not necessary to provide a new reader / writer for the MB dedicated card. The financial terminal 121 includes a bill processing program 123 and includes a reader / writer for an MB dedicated card (not shown).

Next, processing of the system shown in FIG. 8 will be described with reference to FIGS. First of all, the customer goes to an empty module box and tells the person in charge that he / she is in his turn. Here, business is assumed to be a cash payment of tax. The person in charge of the module box listens to the customer (tax payment of tax) from the customer, and operates the financial terminal 121 to order MB card creation processing for tax payment. The financial terminal 121 receives an input from the person in charge, and performs MB dedicated card creation processing for tax payment (FIG. 9: step S1). This process will be described with reference to FIGS. The account processing program 123 of the financial terminal 121 displays a target job selection menu screen on the display device (step S31). For example, a screen as shown in FIG. 11 is displayed on the display device. In the example of FIG. 11, options such as (1) tax payment slip, (2) public money payment slip, (3) cash transfer, (4) transfer, (5) withdrawal processing, (6) deposit processing are shown. . Here, since tax payment is a requirement, (1) a tax payment option is selected. At this time, the person in charge of the module box confirms that the customer brings a tax payment slip and cash. Also, the MB dedicated card used this time is set in the insertion slot of the card reader / writer of the financial terminal 121. The account processing program 123 of the financial terminal 121 receives a tax payment slip selection input, and takes in the MB dedicated card set in the insertion slot of the card reader / writer of the financial terminal 121 (step S33). Further, the transaction serial number is automatically numbered (step S35).

  Then, the account processing program 123 of the financial terminal 121 displays the MB dedicated card lending processing screen on the display device (step S37). FIG. 12 shows an example of the MB dedicated card lending process screen. In the example of FIG. 12, a transaction type input field, a customer name input field, an amount input field, an additional amount input field, and a dedicated card number display field (displayed from the MB dedicated card because it is automatically acquired) ), Transaction serial number display field (numbers are displayed because they are automatically numbered), and reception date / time display field (the current date and time are automatically displayed). .

  On the other hand, the person in charge of the module box displays the transaction type (three-digit code in this embodiment), the customer's name and amount (tax payment amount and additional amount) on the input screen as shown in FIG. The account processing program 123 of the financial terminal 121 receives the input and stores it in a storage device such as a main memory (step S38). Then, in accordance with the execution instruction, data writing to the MB dedicated card is performed, and the MB dedicated card is discharged (step S39). Then, the process returns to the original process. The storage device of the financial terminal 121 stores all input and display data as shown in FIG. 12 as log data.

  An example of the MB dedicated card is shown in FIG. The MB dedicated card has the same size as, for example, a cash card, and data as shown in FIG. 14 is recorded in, for example, the upper magnetic stripe portion as shown in FIG. That is, as shown in FIG. 14, the date and time when the data writing process was performed, the transaction serial number, only the transaction type portion of the case type code, the customer name, the deposit amount, and the store number are recorded. Although not shown in FIG. 14, the management number of the MB dedicated card is also recorded and read by the financial terminal 121 or the like. In the module box, a plurality of MB dedicated cards are prepared, and in some cases, a queue is generated in the ATM 124.

  Returning to the description of FIG. 9, the account processing program 123 of the financial terminal 121 displays the MB processing status on the display device when the MB dedicated card is discharged (step S <b> 3). For example, a screen as shown in FIG. 15 is displayed. In the example of FIG. 15, a processing status display field, a date / time display field, a transaction serial number display field, a case type code display field, a customer name display field, and an amount display field are provided, and the data input in FIG. , And the processing state, date and time, and transaction serial number are displayed. Here, since the processing has not yet been completed, the processing state is “processing”. Note that the processing of the financial terminal 121 proceeds to the processing of FIG.

  When the customer receives the MB dedicated card from the person in charge of the module box, the customer goes to the ATM 124 and inserts the MB dedicated card into the ATM 124. The deposit / withdrawal program 125 of the ATM 124 accepts the insertion of the MB dedicated card and performs a deposit process using the MB dedicated card (step S5). This process will be described with reference to FIGS. The deposit / withdrawal program 125 of the ATM 124 displays a screen as shown in FIG. 17, for example. In FIG. 17, menu items such as deposit, withdrawal, transfer, transfer, passbook entry, and cancellation are displayed, and these processes can be selected. When the customer inserts the MB dedicated card from the cash card insertion slot of the ATM 124, the deposit / withdrawal program 125 of the ATM 124 accepts the insertion of the MB dedicated card from the cash card insertion slot (step S41) and is recorded on the MB dedicated card. The data is read out to a storage device such as a main memory, for example, and an MB dedicated card confirmation screen is displayed on the display device (step S45). FIG. 18 shows an example of the MB dedicated card content confirmation screen. In the example of FIG. 18, a transaction type display field, a customer name display field, an amount display field, a dedicated card number display field, a transaction serial number display field, and a reception date / time display field are provided. In each display column, data read from the MB dedicated card is displayed.

  The customer confirms the contents displayed on the display device of the ATM 124, and presses a confirmation button (not shown) if there is no problem, and presses a "cancel" button (not shown) when a problem is found.

  In response to this, the deposit / withdrawal program 125 of the ATM 124 accepts a selection input from the customer (step S47), and determines whether the “confirm” button has been pressed (step S49). If the “cancel” button is pressed, the process cannot be continued, so the MB dedicated card is ejected and the process is terminated (step S55). The customer gives the MB card to the person in charge of the module box and explains the problem. On the other hand, if it is determined that the “confirm” button has been pressed, a display requesting the customer to insert the specified amount of cash is performed (step S51). Also, open a cash insertion slot to encourage payment. When cash is inserted into the insertion slot, a cash uptake process including inspection and counting for the inserted cash is performed (step S53). After this process, the process returns to the process of FIG.

  Next, the deposit / withdrawal program 125 of the ATM 124 requests an in-process registration request (payment) to the host computer including the data (transaction type, customer name, deposit amount, transaction serial number and reception date / time) read from the MB dedicated card, and the store number. Processing request) A message is generated and transmitted to the sales office server 120 (step S7). When the store server 120 receives the in-process registration request message from the ATM 124, the store server 120 transfers it to the AP server 110 (step S9). When the telegram control program 111 of the AP server 110 receives the in-process registration request message from the ATM 124 from the branch office server 120 (step S11), the telegram control program 111 temporarily stores it in a storage device such as a main memory and stores the data in the in-process registration request message. Based on this, a deposit processing request message to the MB dedicated account including the deposit amount data is generated and transmitted to the host computer 100 (step S13). The account deposit program 101 of the host computer 100 receives a message for requesting the deposit process for the MB dedicated account from the AP server 110 (step S15), temporarily stores it in a storage device such as a main memory, and stores it in the MB dedicated account DB 106. A deposit process for the deposit amount is performed (step S17).

  FIG. 19 shows an example of data stored in the MB dedicated account DB 106. In the example of FIG. 19, data on account number, amount, deposit / withdrawal balance, and number of MB transactions is registered. The MB dedicated account DB 106 is a dedicated account introduced in order to realize the function of the settlement transaction by the module box, and may be provided in the general deposit account DB 105. Here, in order to facilitate explanation, the deposit account DB 105 is illustrated separately. The account number is issued by the bank itself and follows the normal account number system. Further, the amount is added by the deposit process performed in response to the deposit process request, and is subtracted in accordance with the withdrawal process request. The balance is 0 when the bank's MB transaction starts. When the business is completed and the settlement business on the current day is completed at the office concentration center, the balance becomes zero. The deposit / withdrawal balance is a mechanism for preventing a processing error since depositing into an MB dedicated account by MB transaction and withdrawal by settlement at the office concentration center, and is a difference between deposit and withdrawal. If the balance becomes negative when payment is made at the office concentration center, it is understood that a processing error has occurred, and the necessary response can be taken. The number of MB transactions counts the total number of module box transactions at each branch, and matches the number of cases in the order management DB 107 described later. Accordingly, the total number of transactions of the MB dedicated account and the individual transaction details are linked, and used for management of accidents, processing errors, crimes, etc.

  In step S17, the value of the amount is increased by the deposit amount in the MB dedicated account DB 106. Also, the deposit / withdrawal balance value is increased by the deposit amount. Further, the value of the number of MB transactions is increased by 1. Then, when the deposit process for the MB dedicated account DB 106 is completed, the account deposit program 101 transmits a process completion notification to the AP server 110. On the other hand, when the message control program 111 of the AP server 110 receives the processing completion notification from the host computer 100, the data (transaction type, customer name, deposit amount, transaction serial number, An order registration request message for registering the reception date, store number, etc.) is generated and transmitted to the host computer 100 (step S19). The order management program 103 of the host computer 100 receives an order registration request message from the AP server 110 (step S21), temporarily stores it in a storage device such as a main memory, and performs registration processing for the order management DB 107 according to the order registration request message. (Step S23). The processing shifts to the processing in FIG.

  The order management DB 107 is a database that manages in-process registration and settlement completion from all module boxes of the bank in an integrated manner, and stores data as shown in FIG. 20, for example. In the example of FIG. 20, a processing status column, a processing date / time column, a transaction serial number column, a case type code column, a customer name column, an amount column, a store number column, Includes a remarks column. As for the processing status, the record for which only the in-process registration is performed is “waiting for processing”, and the record for which the settlement processing is performed is “completed”. The processing date is the date and time when the registration process was performed or the reception date and time. For the transaction serial number, the data received from the ATM 124 is registered as it is. For the case type code, data received from the ATM 124 is registered as it is. In this example, the first three digits indicate types such as tax payment, withdrawal, deposit, transfer, transfer, and utility charge storage. In the case of tax payment, the tax payment type by municipality is represented by the subsequent digits, but this part is not registered only by in-process registration. The corresponding deposit account is identified by the tax payment type by municipality. Furthermore, the bank number, store number, deposit account number, etc. can be specified in the subsequent digits. As described above, the case type code indicates information items that can be used for various transactions that occur at the bank counter according to the case type. The store number is the store number of the store where the ATM 124 is installed.

  Next, the continuation of the processing will be described with reference to FIG. The order management program 103 registers a record in the order management DB 107 using data included in the received order registration request message. Here, the processing state is registered as “waiting for processing”. When the process is completed, an order registration completion message is generated and transmitted to the AP server 110 (step S61). The message control program 111 of the AP server 110 receives the order registration completion message from the host computer 100 (step S63), and responds to the ATM 124 and the financial terminal 121 corresponding to the ATM 124 corresponding to the in-process registration request message received in step S11. An in-process registration completion message is generated and transmitted to the sales office server 120 (step S65). The processing of the message control program 111 of the AP server 110 shifts to the processing of FIG.

  The branch office server 120 receives the in-process registration completion message for the ATM 124 and the financial terminal 121 from the AP server 120 and transfers it to the ATM 124 and the financial terminal 121 (step S67). The deposit / withdrawal program 125 of the ATM 124 receives the in-process registration completion message from the sales server 120 (step S69). Then, the processing completion is displayed on the display device (step S71). For example, a screen as shown in FIG. 22 is displayed. In the example of FIG. 22, a message for requesting the receipt and card to be returned to the person in charge of the module box is displayed. And the process etc. which erase | eliminate the name, money_receiving | payment amount, transaction classification, reception date / time, and transaction serial number which are registered into the MB exclusive card are performed (step S73). In this way, there is no need to deposit using the same MB dedicated card for some reason. A receipt slip is printed (step S75). Then, the MB dedicated card and the receipt slip are discharged from the ATM 124 (step S77).

  For example, a receipt slip as shown in FIG. 23 is output. The receipt slip of FIG. 23 is a sheet normally output by the ATM 124, and the contents printed in the transaction content column 232 and the transfer details or guidance column 231 are different. In the transaction contents column 232, MB transaction tax payment is printed, and in the transfer details or guidance column 231, the transaction serial number, item type (part), customer name, and comment (this receipt is promptly Please hand it over to the person in charge).

  On the other hand, the account processing program 123 of the financial terminal 121 receives an in-process registration completion message from the sales office server 120 (step S79), and changes the MB processing status display (step S81). That is, as shown in FIG. 24, the display of the processing status column in the display of FIG. 15 is changed to “completed”.

  The customer receives the receipt slip and the MB dedicated card discharged from the ATM 124, and gives the receipt slip and the MB dedicated card to the person in charge of the module box. The person in charge of the module box receives the receipt slip and the MB dedicated card from the customer, and looks at the display contents of the display device of the financial terminal 121. When it is confirmed from the display contents of the financial terminal 121 and the receipt slip that the processing has been normally completed, a receipt is stamped on the tax payment slip and the payment slip is returned to the customer.

  The payment slip is, for example, a form as shown in FIG. 25, but it is stamped in the receipt stamp fields 251 and 252 as in the prior art. In this example, the right taxpayer copy is returned to the customer. On the other hand, in this example, the left part is temporarily stored with the receipt slip discharged by the ATM 124 attached. Thereafter, for example, one day's worth is collected and sent to the office concentration center.

  When the receipt return is completed, the person in charge of the module box inputs transaction completion to the account processing program 123 of the financial terminal 121. The account processing program 123 of the financial terminal 121 accepts a transaction completion input by the person in charge of the module box and changes the screen to the initial screen (step S83).

  By performing such processing, the processing at the bank office is completed. The customer does not fill in the reception slip and does not wait for the contact person in charge. Therefore, the satisfaction level of the service to the customer can be improved, and it is possible to reduce the cost because it is not necessary to devote personnel to confirming cash.

  Next, the continuation of the process of FIG. 21 will be described with reference to FIG. The message control program 111 of the AP server 110 generates an in-process completion message for the office concentration center server and transmits it to the office concentration center server 130 (step S91). The in-process completion message includes data such as transaction serial number, name, case type code (part), deposit amount, date of reception, and store number. The message control program 131 of the business central server 130 receives the in-process completion message from the AP server 110 (step S93), identifies the transaction type (part of the case type code) from the in-process message, and performs a transaction in the in-process message DB 132. A message storage file is specified from the type (step S95). Then, the processing status for the in-process completion message is set to “waiting for processing” (step S97) and registered in the specified message storage file (step S99).

  An example of data stored in the electronic message storage file is shown in FIG. In the example of FIG. 27, a processing status column, a processing date / time (reception date / time) column, a transaction serial number column, a case type code column, a customer name column, and an amount (payment) Column) and a store number column. Basically, it is the same as the data registered in the order management DB 107. If the processing status is “waiting for processing”, the item type code is not completely registered. In step S99, registration is performed in a state like the first record in FIG.

  Next, processing performed by the person in charge at the office concentration center will be described with reference to FIGS. At the office concentration center, collections of payments such as taxes and receipt slips are collected from each branch office. The person in charge at the office concentration center matches the payment slip and the receipt slip, and confirms that the name and the amount match. If it does not match, it is processed separately. If it is determined that they match, the following processing is performed. Note that the settlement program 141 of the office concentration center terminal 140a displays a task selection menu on the display device (FIG. 28: step S101). For example, a screen as shown in FIG. 29 is displayed. In the example of FIG. 29, menu items such as tax, public money, transfer, transfer, management, and others are included.

Here, the person in charge at the office concentration center determines that the tax is paid from the tax payment form, and selects a menu item called tax. The settlement program 141 of the office concentration center terminal 140a accepts a selection input from the person in charge and displays a corresponding data input screen (step S103). Here, the transaction serial number input screen is displayed. Then, the person in charge, look at the input screen of the transaction serial number, enter the drawing-number taken, which is printed on the receipt slip to be processed. The settlement program 141 of the business concentration center terminal 140a receives the input of the transaction serial number (step S105), and transmits a search request including the transaction serial number to the business concentration center server 130 (step S107). When the telegram control program 131 of the business central server 130 receives a search request including a transaction serial number from the business central center terminal 140a (step S109), it searches the in-process telegram DB 132, reads data corresponding to the transaction serial number, and concentrates the business The data is transmitted to the center terminal 140a (step S111). The settlement program 141 of the office concentration center terminal 140a receives data from the office concentration center server 130 and displays it on the display device (step S113). For example, a screen as shown in FIG. 30 is displayed. In the example of FIG. 30, a transaction serial number display field, a case type code input field, a customer name display field, an amount (payment amount) display field, and a reception date / time display field are included. Data from the ATM 124 is displayed in the display field, and a tax payment code (001) is displayed in the case type code input field. The person in charge at the office concentration center checks the tax payment slip and enters the case type code in the case type code input field. The settlement program 141 of the office concentration center terminal 140a accepts the input of the case type code (step S115). The processing shifts to FIG.

  Then, the person in charge at the office concentration center confirms the input contents and issues a settlement instruction to the office concentration center terminal 140a. The settlement program 141 of the office concentration center terminal 140a generates a settlement processing request message for the host computer 100 in response to the settlement instruction from the person in charge, and transmits it to the office concentration center server 130 (step S117). The settlement processing request message includes a transaction serial number, a case type code, and amount information. Other data may be included. The message control program 131 of the office concentration center server 130 receives the settlement processing request message from the office concentration center terminal 140a and transfers it to the AP server 110 (step S119). When the telegram control program 111 of the AP server 110 receives the settlement processing request telegram from the office concentration center server 130 (step S121), the telegram control program 111 temporarily stores it in a storage device such as a main memory. The message control program 111 of the AP server 110 generates a withdrawal processing request message for the MB dedicated account DB 106 including the amount information included in the settlement processing request message, and transmits it to the host computer 100 (step S123).

  The account withdrawal program 102 of the host computer 100 receives a withdrawal processing request message including the amount included in the settlement processing request message (step S125), and temporarily stores it in a storage device such as a main memory. Then, the withdrawal process is performed on the MB dedicated account DB 106 in accordance with the withdrawal process request message (step S127). The value in the “Amount” column of the MB dedicated account DB 106 is subtracted, and further, the value in the “Deposit / Payment Balance” column is subtracted. In addition, check whether the value in the “Deposit / Balance” column is negative. If negative, an error is generated and processing is performed separately.

  When the message control program 111 of the AP server 110 receives the processing completion notification from the host computer 100, it registers the case type code corresponding to the transaction serial number in the order management DB 107 in accordance with the settlement processing request received in step S121. An order update request message is generated and transmitted to the host computer 100 (step S129). The order management program 103 of the host computer 100 receives the order update request message from the AP server 110 (step S131), temporarily stores it in a storage device such as a main memory, and updates the order management DB 107 according to the order update request message. (Step S133). The order management DB 107 is searched with the transaction serial number, the matter type code of the corresponding record is updated, and the processing state is changed to “completed”.

  In addition, the remittance processing program 104 of the host computer 100 performs a predetermined remittance process in response to the completion of the withdrawal process or the order update process (step S135). Predetermined remittance processing includes deposit processing for an account specified by the case type code in the deposit account DB 105 or remittance to another bank. Then, the processing shifts to the processing in FIG.

  The order management program 103 of the host computer 100 generates an order update completion message including the processing sequence number and the case type code, and transmits it to the AP server 110 (step S137). The message control program 111 of the AP server 110 receives the order update completion message including the process serial number and the case type code (step S139), and sends a settlement process completion message to the office concentration center terminal 140a including the process serial number and the case type code. It is generated and transmitted to the office concentration center server 130 (step S141). The telegram control program 131 of the office concentration center server 130 receives the settlement processing completion message from the AP server 110 and transfers it to the office concentration center terminal 140a (step S143). Further, the in-process message DB 132 is searched using the process serial number included in the settlement process completion message, the case type code is registered, and the process state is changed to “completed” (step S145).

  Further, the settlement program 141 of the office concentration center terminal 140a receives the settlement processing completion message from the office concentration center server 130 (step S147) and temporarily stores it in a storage device such as a main memory. Then, the settlement program 141 displays a process completion (Step S149). The person in charge at the office concentration center confirms the processing completion display and presses a predetermined key or the like to shift to the next screen (for example, a transaction number input screen) (step S151).

  By executing such processing, the system effect similar to that of the prior art can be obtained even if the case type codes are input at the office concentration center instead of at the branch office. As described above, it is possible to improve the office efficiency in the sales office and to shorten the waiting time of the customer.

  Note that it is also possible to perform a reference process of the order management DB 107 from the office concentration center terminal 140. A reference request including a transaction serial number is transmitted from the business centralized center terminal 140 to the order management program 103 of the host computer 100 via the business centralized center server 130 and the AP server 110 to acquire registered data. It is also possible to perform a search for the in-process message DB 132 of the office concentration center server 130.

  Although the embodiment of the present invention has been described above, the present invention is not limited to this. For example, the system configuration shown in FIG. 8 is an example, and the functions of the branch office server 120, the AP server 110, the office concentration center server, and the like are processed for the MB dedicated account DB 106 and the order management DB 107 as described above. Any configuration is possible if possible. As for the processing steps, the order and contents of the steps may be changed as long as the processing for the MB dedicated account DB 106 and the order management DB 107 as described above is possible.

  The server, the host computer, and the terminal shown in FIG. 8 are computer devices. As shown in FIG. 33, a memory 2501 (storage device), a CPU 2503 (processing device), and a hard disk drive (HDD) 2505 are displayed. A display control unit 2507 connected to the device 2509, a drive device 2513 for the removable disk 2511, an input device 2515, and a communication control unit 2517 for connecting to a network are connected by a bus 2519. An operating system (OS: Operating System) and an application program for performing processing in the present embodiment are stored in the HDD 2505, and are read from the HDD 2505 to the memory 2501 when executed by the CPU 2503. If necessary, the CPU 2503 controls the display control unit 2507, the communication control unit 2517, and the drive device 2513 to perform necessary operations. Further, data in the middle of processing is stored in the memory 2501 and stored in the HDD 2505 if necessary. In the embodiment of the present invention, an application program for performing the processing described above is stored in the removable disk 2511 and distributed, and is installed in the HDD 2505 from the drive device 2513. In some cases, the HDD 2505 may be installed via a network such as the Internet and the communication control unit 2517. Such a computer device realizes various functions as described above by organically cooperating the hardware such as the CPU 2503 and the memory 2501 described above with the OS and necessary application programs.

(Appendix 1)
Information executed by a computer system having a module box including an automatic teller machine and a branch office terminal, a host computer having a module box deposit / withdrawal data storage unit and a module box order data storage unit, and an office concentration center terminal A processing method,
Issuing a card for an automatic teller machine that records identification information, handling amount information, and transaction identification information of a specific customer by the branch terminal;
In the automatic teller machine, when payment using the automatic teller machine card is instructed, the specific customer identification information, the handling amount information, and the transaction identification information are obtained from the automatic teller card. Reading and sending a deposit processing request to the host computer including the identification information of the specific customer, the handling amount information and the transaction identification information when the deposit according to the handling amount information is confirmed;
When the host computer receives the data related to the deposit processing request, the host computer performs deposit registration in the module box deposit / withdrawal data storage unit according to the handling amount information related to the deposit processing request, and further, the module box order A registration step of registering the specific customer identification information, the handling amount information, and the transaction identification information related to the deposit processing request in a data storage unit in a state where data of a remittance destination is insufficient,
The host including the transaction identification information and the remittance destination identification information when the remittance destination identification information is input at the office concentration center terminal in correspondence with the transaction identification information at an arbitrary timing after the registration step. A payment request step for sending a payment request to the computer;
In the host computer, when receiving the data related to the payment request, the payment is registered in the deposit / withdrawal data storage unit for the module box according to the transaction amount information corresponding to the transaction identification information related to the payment request, Performing remittance processing according to the remittance destination identification information related to the settlement request, and further registering the remittance destination identification information corresponding to the transaction identification information related to the settlement request in the module box order data storage unit; ,
An information processing method including:

(Appendix 2)
In the automatic teller machine, when receiving a processing completion notification for the deposit processing request, the automatic teller machine further includes a step of outputting a slip indicating completion of the deposit processing and discharging the cash dispenser card from which the recorded data is erased. The information processing method according to attachment 1.

(Appendix 3)
The computer system further includes an office concentration center server having an in-process data storage unit,
When the data related to the deposit processing request is received after the registration step, the office concentration center server stores the in-process data storage unit;
In the office concentration center server, when a request is received from the office concentration center terminal, the corresponding data is read from the in-process data storage unit and transmitted to the office concentration center terminal;
Further including
The information processing method according to appendix 1 or 2, wherein the settlement request step is performed by the office concentration center terminal using data received from the office concentration center server.

(Appendix 4)
A module box including an automatic teller machine and a branch terminal;
A host computer having a module box deposit / withdrawal data storage unit and a module box order data storage unit;
A central office terminal,
Have
The branch terminal issues a card for an automatic teller machine that records identification information, handling amount information, and transaction identification information of a specific customer,
When the automatic teller machine is instructed to deposit using the automatic teller machine card, the identification information of the specific customer, the handling amount information, and the transaction identification information are obtained from the automatic teller card. Read, when the deposit according to the handling amount information is confirmed, including the identification information of the specific customer, the handling amount information and the transaction identification information, and sending a deposit processing request to the host computer,
When the host computer receives the data related to the deposit processing request, the host computer performs deposit registration in the module box deposit / withdrawal data storage unit according to the handling amount information related to the deposit processing request, and further, the module box order Register the specific customer identification information, the handling amount information, and the transaction identification information related to the deposit processing request in a data storage unit in a state where the data of the remittance destination is insufficient,
When the remittance destination identification information is input corresponding to the transaction identification information at an arbitrary timing after the registration processing in the host computer, the office concentration center terminal includes the transaction identification information and the remittance destination identification information. , Sending a settlement request to the host computer,
When the host computer receives the data relating to the settlement request, the host computer performs withdrawal registration to the deposit / withdrawal data storage unit for the module box according to the transaction amount information corresponding to the transaction identification information relating to the settlement request, A remittance process is performed according to the remittance destination identification information related to the settlement request, and the remittance destination identification information corresponding to the transaction identification information related to the settlement request is registered in the module box order data storage unit. system.

(Appendix 5)
5. When the automatic teller machine receives a processing completion notification for the deposit processing request, it outputs a slip indicating completion of the deposit processing and discharges the automatic teller machine card from which the recorded data is erased. Computer system.

(Appendix 6)
A central office server having an in-process data storage unit;
When the data relating to the deposit processing request is received, the office concentration center server stores it in the in-process data storage unit,
When the office work center server receives a request from the office work center terminal, it reads out the corresponding data from the work-in-process data storage unit, and sends it to the office work center terminal.
The computer system according to claim 4 or 5, wherein the office concentration center terminal performs processing using data received from the office concentration center server and transmits the settlement request.

(Appendix 7)
A deposit card for an automatic teller machine in which identification information of a specific customer and transaction identification information are recorded in a state where specific remittance destination data is insufficient.

(Appendix 8)
A deposit card for an automated teller machine as set forth in appendix 7, wherein transaction amount information is further recorded.

It is a figure for demonstrating the conventional business flow. It is a figure which shows the outline | summary of the conventional computer system. It is a figure which shows the 1st processing flow in a prior art. It is a figure which shows the 2nd processing flow in a prior art. It is a figure which shows the 3rd processing flow in a prior art. It is a figure for demonstrating the layout in the branch office of the bank which concerns on embodiment of this invention. It is a figure for demonstrating the business flow which concerns on embodiment of this invention. It is a figure which shows the outline | summary of the computer system which concerns on embodiment of this invention. It is a figure which shows the 1st processing flow which concerns on embodiment of this invention. It is a figure which shows the 2nd processing flow which concerns on embodiment of this invention. It is a figure which shows an example of the 1st display screen displayed on a financial terminal. It is a figure which shows an example of the 2nd display screen displayed on a financial terminal. It is a figure which shows an example of MB exclusive card. It is a figure which shows an example of the data recorded on a MB exclusive card. It is a figure which shows an example of the 3rd display screen displayed on a financial terminal. It is a figure which shows the 3rd processing flow which concerns on embodiment of this invention. It is a figure which shows an example of the 1st display screen displayed on ATM. It is a figure which shows an example of the 2nd display screen displayed on ATM. It is a figure which shows an example of the data stored in MB exclusive account DB. It is a figure which shows an example of the data stored in order management DB. It is a figure which shows the 4th processing flow which concerns on embodiment of this invention. It is a figure which shows an example of the 3rd display screen displayed on ATM. It is a figure which shows an example of the receipt slip which concerns on embodiment of this invention. It is a figure which shows an example of the 4th display screen displayed on a financial terminal. It is a figure which shows an example of the payment notice of a tax. It is a figure which shows the 5th processing flow which concerns on embodiment of this invention. It is a figure which shows an example of the data stored in a work-in-process message DB. It is a figure which shows the 5th processing flow which concerns on embodiment of this invention. It is a figure which shows an example of the 1st display screen displayed on a business concentration center terminal. It is a figure which shows an example of the 2nd display screen displayed on a business concentration center terminal. It is a figure which shows the 6th processing flow which concerns on embodiment of this invention. It is a figure which shows the 7th processing flow which concerns on embodiment of this invention. It is a functional block diagram of a computer.

Explanation of symbols

100 Host computer 101 Account deposit program 102 Account withdrawal program 103 Order management program 104 Remittance processing program 105 Deposit account DB
106 MB dedicated account DB 107 Order management DB
110 AP server 111 Message control program 120 Branch office server 121 Financial terminal 123 Account processing program 124 ATM
125 Deposit / withdrawal program 130 Office concentration center server 131 Message control program 132 In-process message DB
140a, 140b Office concentration center terminal 141 Settlement program

Claims (6)

Information executed by a computer system having a module box including an automatic teller machine and a branch office terminal, a host computer having a module box deposit / withdrawal data storage unit and a module box order data storage unit, and an office concentration center terminal A processing method,
Issuing a card for an automatic teller machine that records identification information, handling amount information, and transaction identification information of a specific customer by the branch terminal;
In the automatic teller machine, when payment using the automatic teller machine card is instructed, the specific customer identification information, the handling amount information, and the transaction identification information are obtained from the automatic teller card. Reading and sending a deposit processing request to the host computer including the identification information of the specific customer, the handling amount information and the transaction identification information when the deposit according to the handling amount information is confirmed;
When the host computer receives the data related to the deposit processing request, the host computer performs deposit registration in the module box deposit / withdrawal data storage unit according to the handling amount information related to the deposit processing request, and further, the module box order A registration step of registering the specific customer identification information, the handling amount information, and the transaction identification information related to the deposit processing request in a data storage unit in a state where data of a remittance destination is insufficient,
The host including the transaction identification information and the remittance destination identification information when the remittance destination identification information is input at the office concentration center terminal in correspondence with the transaction identification information at an arbitrary timing after the registration step. A payment request step for sending a payment request to the computer;
In the host computer, when receiving the data related to the payment request, the payment is registered in the deposit / withdrawal data storage unit for the module box according to the transaction amount information corresponding to the transaction identification information related to the payment request, Performing remittance processing according to the remittance destination identification information related to the settlement request, and further registering the remittance destination identification information corresponding to the transaction identification information related to the settlement request in the module box order data storage unit; ,
An information processing method including: In the automatic teller machine, when receiving a processing completion notification for the deposit processing request, the automatic teller machine further includes a step of outputting a slip indicating completion of the deposit processing and discharging the cash dispenser card from which the recorded data is erased. The information processing method according to claim 1. The computer system further includes an office concentration center server having an in-process data storage unit,
When the data related to the deposit processing request is received after the registration step, the office concentration center server stores the in-process data storage unit;
In the office concentration center server, when a request is received from the office concentration center terminal, the corresponding data is read from the in-process data storage unit and transmitted to the office concentration center terminal;
Further including
The information processing method according to claim 1, wherein the settlement request step is performed by the office concentration center terminal using data received from the office concentration center server. A module box including an automatic teller machine and a branch terminal;
A host computer having a module box deposit / withdrawal data storage unit and a module box order data storage unit;
A central office terminal,
Have
The branch terminal issues a card for an automatic teller machine that records identification information, handling amount information, and transaction identification information of a specific customer,
When the automatic teller machine is instructed to deposit using the automatic teller machine card, the identification information of the specific customer, the handling amount information, and the transaction identification information are obtained from the automatic teller card. Read, when the deposit according to the handling amount information is confirmed, including the identification information of the specific customer, the handling amount information and the transaction identification information, and sending a deposit processing request to the host computer,
When the host computer receives the data related to the deposit processing request, the host computer performs deposit registration in the module box deposit / withdrawal data storage unit according to the handling amount information related to the deposit processing request, and further, the module box order Register the specific customer identification information, the handling amount information, and the transaction identification information related to the deposit processing request in a data storage unit in a state where the data of the remittance destination is insufficient,
When the remittance destination identification information is input corresponding to the transaction identification information at an arbitrary timing after the registration processing in the host computer, the office concentration center terminal includes the transaction identification information and the remittance destination identification information. , Sending a settlement request to the host computer,
When the host computer receives the data relating to the settlement request, the host computer performs withdrawal registration to the deposit / withdrawal data storage unit for the module box according to the transaction amount information corresponding to the transaction identification information relating to the settlement request, A remittance process is performed according to the remittance destination identification information related to the settlement request, and the remittance destination identification information corresponding to the transaction identification information related to the settlement request is registered in the module box order data storage unit. system. An information processing method executed by a computer system having an automatic teller machine, a host computer, and a central office center terminal,
When the automatic teller machine accepts identification information and transaction identification information of a specific customer and confirms payment, the identification information of the specific customer and transaction amount information according to the transaction identification information and the deposit amount are included. Sending a deposit processing request to the host computer;
When the host computer receives the data related to the deposit processing request, the host computer performs deposit registration to the deposit / withdrawal data storage unit according to the handling amount information related to the deposit processing request, and further, the deposit processing request to the order data storage unit A registration step of registering the identification information of the specific customer, the transaction identification information and the handling amount information in a state where data of a remittance destination is insufficient,
The host including the transaction identification information and the remittance destination identification information when the office concentration center terminal inputs the remittance destination identification information corresponding to the transaction identification information at an arbitrary timing after the registration step. A payment request step for sending a payment request to the computer;
When the host computer receives the data relating to the settlement request, the host computer performs withdrawal registration in the deposit / withdrawal data storage unit according to the transaction amount information corresponding to the transaction identification information associated with the settlement request, and the settlement Performing remittance processing according to the remittance destination identification information related to the request, and registering the remittance destination identification information corresponding to the transaction identification information related to the settlement request in the order data storage unit;
Only including,
The automatic teller machine reads the specific customer identification information and the transaction identification information from the automatic teller machine card on which the specific customer identification information and the transaction identification information are recorded, and the deposit processing When the processing completion notification for the request is received, a slip indicating completion of the deposit processing is output and the cash dispenser card from which the recorded data is erased is discharged.
An information processing method characterized by the above . The computer system further includes an office concentration center server having an in-process data storage unit,
After the registration step, the office concentration center server stores the received data relating to the deposit processing request in the in-process data storage unit;
When the office concentration center server receives a request from the office concentration center terminal, reads the corresponding data from the work-in-process data storage unit, and transmits the data to the office concentration center terminal;
Further including
6. The information processing method according to claim 5 , wherein the settlement requesting step is performed by the business concentration center terminal using data received from the business concentration center server.

Images