JPH03245264A - Information inquiry system - Google Patents

Abstract

PURPOSE:To enable each business office to obtain various types of information by asking another processor to retrieve the desired information if this information is not stored in its own processor and recording the acquired information into the storage means and at the same time outputting it to the outside. CONSTITUTION:When each business office has an inquiry for its desired information, the business office uses a processor 15 to input the data necessary for retrieval of the information via an input means 16. A retrieving means 18 retrieves a storage means 17 based on the input data. If the desired information is not stored in the means 17, a retrieving request transmission/reception means 25 produces a retrieving request telegram and sends it to another processor. Then the requested processor 15 receives the telegram from the means 25 and retrieves the means 17. The processor 15 takes out the desired information if retrieved out of the means 17, and an information transmission/reception means 28 sends the information to the retrieving requesting processor 15. Thus the processor 15 receives the reply telegram from the means 28 and records the necessary information, if contained, in the means 17 and at the same time outputs this information to an external device via the information output.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to a system for inquiring various information such as seal data and customer information in financial institutions such as banks.

[Conventional technology]

Traditionally, the information managed by banks and other financial institutions includes information that is held collectively on a host computer installed in a central management center such as an office center, and information that is held for each branch. . The former includes, for example, a customer's deposit balance and information regarding one customer, while the latter includes, for example, seal data, some customer information, real estate information, map information, and the like.

However, in recent years, with the diversification and rationalization of business operations and advances in technology, it has become difficult to provide fine-grained services by storing various information all at once on a host computer or by each branch. It has become impossible to perform business processing quickly, and there has been a need for distributed processing of business processing.

As an example of the need for quick business processing,
For example, we can give the following example. Here, the branch of the bank that holds various information such as the customer's seal data for a certain customer is called branch A, and the branch that does not hold the above information of the customer is called branch B, It is assumed that the sales office A manages the above-mentioned information of the customer using a prosensor or the like.

Normally, no problem will occur if the customer conducts transactions at branch A, but problems may occur if the customer conducts transactions at branch B.

For example, as a first conventional example, a customer may cancel a savings account at branch B. Branch B does not have the customer's seal data, so it cannot immediately verify the customer's seal, and the customer has to go back to Branch A, which has the seal data, to complete the cancellation transaction, or the customer has to go to the bank. The employee went to branch A, which held the seal data, to check.

Therefore, it is necessary to take troublesome measures for the customer and the bank, which takes time and effort.

Next, for example, as a second conventional example, there is a case where the customer 75 leaves the business office A with which he has been doing business due to overshooting and starts doing business with another business office B. In this case, the bank needed to transfer the customer's information. This process can be carried out either by a bank employee at branch B manually inputting the customer's information stored in branch A's processor into branch B's processor, or by sending it from a processor to the branch using magnetic tape, etc. The information of the @customer was recorded on a medium, and the medium was sent to branch B, where the information was input from the medium to the processor of branch B.

Therefore, very complicated processing was required.

[Problem to be solved by the invention]

The present invention has been made in view of the above-mentioned points, and eliminates the above-mentioned problems, allowing various types of customer information to be retrieved on the spot at any branch, and providing detailed service and quick business processing. The purpose is to provide a system that can do this.

(5) [Means for solving the problem] In a system in which a processor installed at each branch and a post computer are connected via a communication line,
The processor and the host computer include an input means for inputting data necessary for inquiring desired information (hereinafter referred to simply as the information), a storage means for recording the information, and an input means for inputting data input by the input means. information retrieval and retrieval means for retrieving and retrieving the information from the storage means based on the information;

information recording means for retrieving the information by the information retrieval means and recording the information accompanying the search result in a predetermined position of the storage means; If the information output means that outputs the information and the storage means do not contain the information, create and send a message requesting the search for the information to another Zorosessa or the host combination, and also request the search. If the search is requested, the search request transmitting/receiving means receives the message requesting the search, creates a return message containing information about the information, sends it to the processor or host computer that requested the search, and also sends the return message. The information transmitting/receiving means receives a return message when receiving the message.

[For production]

When searching for and retrieving desired information (hereinafter simply referred to as "the information"), if the information can be retrieved from the store's own storage means, evidence that the information has been retrieved and retrieved must be provided in the storage means. Record it at the location.

If the desired information cannot be retrieved within the store, a message requesting another processor or host computer to search for the information (hereinafter simply referred to as a search request message) is created and sent. Thereafter, a return message in response to this search request message is sent. Based on this returned message, it is recorded in a predetermined position in the storage means.

On the other hand, if a search is requested using this search request message,
The information is searched based on the data in the search request message, the information is extracted, a return message is assembled, and the return message is sent to the branch that requested the search. At this time, evidence 1 indicating that the information has been searched and retrieved, such as the store number of the branch that requested the search, is recorded at a predetermined location in the storage means.

〔Example〕

Hereinafter, with reference to the drawings, 1 of the information inquiry system of the present invention will be explained.
Examples will be described in detail.

FIG. 1 is a diagram showing an example of the configuration of the main parts according to the present invention, and FIG.
FIG. 3 is a flowchart showing an embodiment of the invention, and FIG. 4 is a diagram showing an example of the configuration of a system according to the invention.

An embodiment of the present invention will be described, for example, when a customer cancels a savings account.

In financial institutions that have a system in which a host computer installed at a central management center and a processor installed at each branch are connected via a communication line, the central management center and each branch correspond to each branch. The following explanation assumes that information such as store numbers is held. Also, for a certain customer, for example, a business store that holds various information such as seal stamp data will be referred to as a business store A, and a business store that does not possess various information such as seal stamp data will be referred to as a business store B.

When a customer comes to branch A and requests cancellation of a savings account, a bank employee determines whether the customer is a legitimate customer. This is determined based on whether the seal that the customer brought with him or not is correct (that is, whether it matches the seal that was registered at the time of opening the account).

The method of registering this seal data in a seal register (made of paper) has been widely used for a long time, but recently, the impression of a seal is recorded as image data on a storage means such as a magnetic disk. A device (seal stamp inquiry device) has been developed that displays information on a display or the like whenever necessary. In addition, the seal inquiry device includes a scanner or the like that reads the seal impression of the seal that the customer brings, and determines whether the read seal impression and the seal data (seal impression) recorded in the storage means match. There are also devices that do this. In this embodiment, the seal data is stored in the magnetic disk of the processor of each branch, and the table (9) of the seal data (seal imprint) is displayed on the display of the seal inquiry device.

An example of a system configuration according to the present invention will be explained using FIG. 4. Although there are only two sales outlets in the diagram, there are actually many other sales outlets, and these are omitted. As shown in the figure, the system equipment group installed in the central management center includes a host computer I, a magnetic disk 2 of the host computer 1, an output device 3 such as a printer, and an input/output device 4 such as a keyboard and display. and are connected via path lines 5, respectively.

The system devices installed in branch A include a processor 6a, a magnetic disk 7a of the processor 6a, a seal inquiry device 8a, a display 9a of the seal inquiry device 8a, a counter device 10a for inputting and outputting information, and a display of the counter device IOa. 11a, an output device 12a such as a printer,
Each is connected via a path line/13a. Furthermore, the device group of the system installed at branch B is the same device group of the system as branch A. Therefore, the sales office AM (7
0) The code for the device group of the system at branch B was given an a in the number, but the code for the device group in the system at branch B was given a b in the number. At store B, it is written as processor 6b. A public line network 14 such as a telephone line is used as a communication line connecting the host converter 1 of the central management center and the processors (6a and 6b in the figure) of each branch office. The communication line may also be in the form of a leased line, a network exchange network, an 15DN, or the like.

FIG. 1 shows an example of the configuration of the processor or host computer shown in FIG. 4, and the configuration of the processor or host computer shown in FIG. Search means 18, information retrieval means 19, information retrieval means 20 composed of retrieval means I8 and information retrieval means 19, information recording means 21, information output means 22, search request transmission means 2
3. Search request transmitting/receiving means 25 composed of search request receiving means 24, search request transmitting means 23 and search request receiving means 24, information transmitting means 26, information receiving means 27, information transmitting means 26 and information receiving means 27 The configuration includes an information transmitting/receiving means 28 and an information determining means 29. Further, solid line arrows indicate the flow of information within the processor or host computer 15, and dotted line arrows indicate the flow of information between devices connected to the processor or host computer 15 and other processors or host computer 15. It shows the flow.

When inquiring desired information (hereinafter simply referred to as "the information") at each branch, the input means 16 is used to inquire the information using the processor or host computer 15.
The data (search key) necessary for the search is input.

Based on the data, the storage means 17 is searched by the search means 18.
Search for the information from.

If the storage means 17 has the relevant information, the information retrieval means 19 retrieves the information, and at the same time the information recording means 2
1, records data indicating that the information has been retrieved in a predetermined position of the storage means.

Then, the information extracted by the information output means 22 is outputted to an external device (see FIG. 4) connected via the path line.

If the storage means 17 does not contain the information, the search request transmission means 23 creates a message (hereinafter simply referred to as a search request message) requesting another processor or host converter to search for the information. and send this.

On the other hand, when a search is requested, the processor or host combiner 15 receives a search request message through the search request receiving means 24, and uses the search means 18 to search for the information from the storage means 17 based on this search request message. . If the information exists in the storage means 17, the information retrieval means 19 retrieves the information, and at the same time, the information recording means 21 records information indicating that the information has been retrieved at a predetermined position in the storage means 17. Then, the information transmitting means 26 assembles the information as a return message and transmits it to the processor or host computer that requested the search. If the information is not present in the storage means 17 (J3), information indicating that the information cannot be retrieved by the information retrieval means 19 is recorded in a predetermined position of the storage means 17;
At the same time, the information transmitting means 26 assembles information indicating that the information could not be retrieved as a return message, and transmits this to the processor or host converter that requested the search.

When receiving the above-mentioned return message, the processor or host computer 15 receives the return message using the information receiving means 27, and determines whether the return message includes necessary information using the information determining means 29. Based on the determination, if the information is included, the information recording means 2
1, the information is recorded in a predetermined position of the storage means 17, and at the same time, the information output means 22 outputs the information to the above-mentioned external device connected via the path line. Further, if the information becomes less and less contained, the information output means 22 outputs information indicating that the information is missing to the above-mentioned external device.

Using the system shown in Figure 4, the seal impression of the seal brought by the customer is registered in the account to be canceled (]4) Refer to other figures, mainly Figure 3, for the flow of the process of determining the match between the seal impression and the seal impression. I will explain briefly. Incidentally, in the case of FIG. 3, since it is a cancellation transaction, the transaction is normally only between branch A and branch B.

First, the processing of the processor 6a of branch A will be explained in detail.

In S (hereinafter simply referred to as step) O, preparations are made to extract the target information. In other words, it is necessary to specify the conditions for starting the system shown in FIG. 4 and for extracting the necessary information. In the case of this explanation, specifying the conditions for extracting information means having the customer write the store number and account number of the account to be canceled on the cancellation transaction slip.

In step 10, the operator, a bank employee, uses the seal inquiry device 8 in accordance with the matters written in the cancellation transaction slip.
The data is input from the key gate etc. of a (this corresponds to data input by the input means 16 shown in FIG. 1). These data are then sent to the processor 6a.

In step 11, the processor 6a determines that the store number in the given data is the number of its own store (in this case, "branch A").
(or whether it is another point number). If the store number is the own store's number, the process advances to step 12, and if the store number is not the own store's number, the process advances to step 17.

In step 12, the Zorro sensor 6a
Since we determined that the store number is our own store number,
This indicates that the customer's seal data is stored on the magnetic disk 7a of the Zoro sensor 6a, so next, the ProSensor 6a uses the account number as a search key to target the <own store> index file> shown in Figure 2. (This corresponds to the search for the information by the search means 18 shown in FIG. 1).

In step f13, if the account number cannot be retrieved in step 12, the processor 6a performs abnormal processing. This abnormality processing is to display on the screen of the display (in this case, "9a" because the seal inquiry device 8a is used) that the account number cannot be searched. If necessary, for example, record information such as the bank employee number that performed the search for the account number and the fact that the search was not possible in a predetermined position on the magnetic disk 7a (this is the information shown in Figure 1). Recording means 2
This corresponds to the recording of information accompanying the search results in step 1). In some cases, it is also possible to return to step 7''0 or step 1θ in order to prompt the search again.

Further, in step 13, if the account number can be retrieved in step 12, the process proceeds to step 14.

In step 14, the processor 6a processes the information I (in the case of this explanation, the relevant The seal data registered at the time of opening the account (that is, the impression of the seal) is extracted (this corresponds to the extraction of the information by the information extraction means 19 shown in FIG. 1).

In step I5, the processor 6a records the fact that the information (17) (1) has been retrieved at a predetermined position on the magnetic disk 7a together with the store number, the bank employee number that performed the operation, the time of the search, etc. (not shown in the figure). (This is the first step)
(This corresponds to the recording of information accompanying the search results by the information recording means 21 shown in the figure).

The purpose of this is to use it as evidence, for example, at the time of a later audit, as to whether or not the seal data (seal imprint) was inquired at the time of cancellation.

In step 16, the processor 6a displays the information (1) as a seal imprint on the display 9a of the seal inquiry device 8a (this corresponds to the output of the information by the information output means 22 shown in FIG. 1). Note that the output of the seal imprint is not limited to displaying the seal imprint on the display 9a, but may be printed using the output device 12a such as an electronic printer.

In step 17, the processor 6 is
When a determines that the store number is not its own store number (in this case, the store number A''), the processor 6a stores the magnetic disk 7a.
(J8) Search for the relevant store number and account number for all <other stores> index files shown in Figure 2 stored in . ).

In step 18, in step 17 the processor 6a
If the store number and account number can be retrieved, the processor 6a proceeds to Stella 7°14, and the processor 6a searches for the store number and account number in the index file for other stores as shown in FIG. Information J (in the case of the present invention, this is the seal data recorded at the time of opening the account, that is, the seal imprint) in the information file based on the recorded storage location (j) (this is shown in Figure 1). Information retrieval means 1 shown in
9). The process then proceeds to step 15. Note that the information J is recorded by the information recording means 21, as will be described later.

Further, in step I8, if the processor 6al'i cannot retrieve the store number and account number in step I7, the process proceeds to step 19.

In step 19, the processor/i a of branch A
The public line network 14 is blocked by a message (search request message) requesting to search for necessary information (in this case, seal data) for the store number and account number based on the given data. This search request message is sent to the Zorosesa 6b installed at the business store with the store number (in this case, °゛Shop B'') through the search request transmission means 23 shown in FIG. (equivalent to a search request for the information).

On the other hand, when branch B receives the search request message, branch B
The processor 6b searches for the information based on the data in the search request message, and sends a return message (not shown) regarding the information.
and send this return message to branch A's Zorosesa 6.
(The processing flow of the processor 6b of branch B corresponds to steps 100 to 106 described later)
do.

Then, in step 20, the processor 6 of branch A
a receives this return message (this corresponds to the reception of the information by the information receiving means 27 shown in FIG. 1).

In step 2I, check whether the required information is included in the returned message received using the information determination means 29 shown in FIG. Determine if there is seal data for the number). If it is not included, abnormal processing (step 13)
Processing similar to the abnormality processing in ) is performed, and if it is included, the process advances to step 22.

In step 22, the processor 6a stores the store number and
The account number and storage location are recorded in the index file of the magnetic disk 7a, and the seal data (seal imprint) is recorded in the information file (this is done by the information recording means 21 shown in FIG. 1). corresponding to the recording of information accompanying the search results).

The purpose of this is to eliminate the need to request another store again if the same data needs to be searched again at a later date. This means that in the case of cancellation transactions, it is not necessarily necessary to record the seal data, but in general transactions other than cancellation transactions (for example, transfer transactions), it is necessary to search for details after the transaction (for example, regular (2nd) general transactions after transfer). This is because there are regular transactions such as deposits. The process then proceeds to step 15.

Next, the processing of the processor 6b of branch B will be explained in detail.

In step 100, the processor 6b of branch B receives the search request message sent by branch A in step 19 (this corresponds to the reception of the search request message by the search request receiving means 24 shown in FIG. 1). .

In step 101, the processor 6b uses the account number in the request message as a search key to search for the index file of its own store (in this case, branch B'') as shown in FIG. The account number is searched (this corresponds to the search for the information by the search means 18 shown in FIG. 1).

In step 102, if the processor 6b is able to search for the account number in step 101, the following step 10
If the search is not successful, the process proceeds to step 104.

In step 103, the processor 6b (22) retrieves information in the information file based on the storage location recorded corresponding to the account number in the index file. The process then proceeds to step 105. If necessary, based on the transaction type information etc. in the search request message, for example, in the case of a transfer transaction, after retrieving the information, delete the information from the <information file> and store the information indicating the deletion on the magnetic disk. 7b along with other necessary information (this deletion and recording of other necessary information is performed by information accompanying the search result by the information recording means 2 shown in FIG. 1). )
,.

In step 104, the processor 6b assembles the account number and a record indicating that the information could not be retrieved (there is no information) as a return message using the information recording means 2 shown in FIG. Record (set no information), but this record can be erased arbitrarily. The process then proceeds to step 105. Steps 103 and 104 correspond to the extraction of the information by the information extraction means 19 shown in FIG.

In step 105, the processor 6b provides evidence that the information has been searched for and retrieved (including deletion in some cases) based on the search request message, such as the store number that requested the search (in this case, the 8), the bank employee number that performed the operation, the time that the operation was performed, and, in some cases, the search request message itself, etc., are recorded in a predetermined position on the magnetic disk 7b (this is the information record shown in Figure 1). (corresponds to recording of information accompanying the search results by means 21)
.

In step 106, the processor 6b of branch B assembles the information retrieved based on the requested message (if it cannot be retrieved, a record indicating that fact) as a return message, and sends it to the processor 6a of branch A via the public line. It is transmitted via the network 14 (this corresponds to the transmission of a return message by the information transmitting means 26 shown in FIG. 1). The processor 6a of branch A then proceeds from step 20 to each subsequent step.

In the above embodiment, information is recorded on the magnetic disks 7a and 7b of the processors 6a and 6b, and the information is searched. It may be recorded in a storage device in various terminal devices such as a seal inquiry device connected to the processor. However, in the above embodiment, a search request to another store is directly sent from the processor 6a of the store A. Although the information is sent to the processor 6b of the store B, the information may not be sent directly but may be relayed to the host computer 1 installed in the central control center, for example. Although this reduces the efficiency of electrical transmission in terms of time, it is effective in managing information and reducing costs in cases where the host computer and the processors at each branch are connected only through dedicated lines. Furthermore, in the above embodiment, each branch was explained as having information about each branch and its corresponding shop number, but this information is held in a host computer, and each branch can use this information. It is also possible to have a configuration in which the host computer is accessed (25) to know the branch office to which a search request should be made, and the search request is made to the processor of that branch office. Note that a configuration may be adopted in which the search request is made uniformly to the processors of all branches.

Further, in step 19, the processor 6a of branch A
sends a search request message to the processor 6b of branch B, but this search request message is not limited to the minimum information necessary for the store number and account number, but is held by branch B. It is also possible to request that all or part of the information related to the store number or account number be transmitted.

Further, for example, in step 105 in FIG. 3, the processor 6b of the branch B extracts information and sends it to the branch A, and stores it in a predetermined position on the magnetic disk 7b.
Record the store number, etc. (not shown), and use this store number record to update the information from store B to store A every time this information is updated at store B. By sending the updated data to branch A, branch A can also have the latest data (26); conversely, whenever the information is newly updated at branch A, branch A can also have the latest data (26). By sending newly updated data from store A to store B, store B can also have the latest data.

Although the information inquiry system of the present invention has been explained in detail through this embodiment, various modifications can be made based on the spirit of the present invention; for example, the system configuration, operating procedures, etc. are limited to this embodiment. However, these are not excluded from the scope of the claims of the present invention.

〔Effect of the invention〕

As explained in detail above, according to the present invention, various types of information regarding customers can be retrieved on the spot at any branch.

In addition, record proof that the information has been searched and retrieved, such as the store number of the branch that requested the search, in a predetermined location on a storage device such as a magnetic disk, so that this information can be updated at the store from now on. This allows both branches to have the latest data by sending a new update from their own branch to the branch that requested the search. It is possible to provide fine-grained services, speedy business processing, and achieve the excellent effects of distributed processing of information.

[Brief explanation of drawings]

FIG. 1 is a diagram showing an example of the configuration of the main parts according to the present invention, and FIG.
FIG. 3 is a flowchart showing an embodiment of the invention, and FIG. 4 is a diagram showing an example of the configuration of a system according to the invention. 1... host computer, 2... magnetic disk,
3. Output grain I scale, J. Input/output device, 5. Pass line, 6a. Zorocessor of branch A, 6b. Processor of branch B, 7a... Magnetism of branch A. Disk, 7b...Magnetic disk for branch B, 8a...Seal stamp inquiry device for branch office, 8b...Seal stamp inquiry device for branch B, 9a...Display for branch office, 9b...・Display of branch B, 10a... Counter device of branch A, 10b... Counter device of Saegyo store B, 11a... Display of branch A, Ilb... Display of branch B, 12a ...Output device of branch A, 12b...
Output device of branch B, 1.7a... Pass line of branch A, 13b... Pass line of branch B, 14...
- Public line network, 15... Processor or host computer, 16... Input means, 17... Storage means, 1
8... Search means, 19... Information retrieval means, 20...
- Information retrieval means, 21... Information recording means, 22.
... Information output means, 23 ... Search request transmission means, 24
... search request receiving means, 25... search request transmitting and receiving means, 26... information transmitting means, 27... information receiving means, 28... information transmitting and receiving means, 29... information determining means.

Claims (2)

[Claims] (1) In a system in which processors installed at each branch and a host computer are connected via a communication line, the processor and the host computer have a storage means for recording information, and a storage means for recording information, and extracting desired information from the information. an input means for inputting data necessary to inquire about the information; information search and extraction means for searching and retrieving the desired information from the storage means based on the data input by the input means; and information search and extraction means. information recording means capable of retrieving the desired information using a method and recording information associated with the search result in a predetermined position of the storage means; information output means for outputting desired information; and, if the desired information is not in the storage means, creating and transmitting a message requesting another of the processors or the host computer to search for the desired information. , a search request transmitting/receiving means for receiving a message requesting the search when a search is requested; and a search request transmitting/receiving means for receiving a message requesting the search, and generating a return message requesting the search by creating information related to the desired information as a return message when the search is requested. 1. An information inquiry system comprising: an information transmitting/receiving means for transmitting information to a processor or host computer that has received a return message, and receiving the return message when receiving the return message. (2) In a system in which processors installed at each branch and a host computer are connected via a communication line, the processor and the host computer check whether the return message includes the desired information. 2. The information inquiry system according to claim 1, further comprising information determination means for making a determination.