JPH056390A - Method of processing transfer dispersion and transfer dispersion processor - Google Patents

Abstract

PURPOSE: To disperse the transfer processing in a financial institution and to make the transfer procedures for the same exacter and faster. CONSTITUTION: Plural transfer dispersion processing machines have input means M1 for inputting at least part of the transfer processing information applied to the host computer of the financial institution and memory means M2 for storing part of the transfer processing information as fixed information and are disposed at one host computer. These machines are provided with transfer processing information forming means M3 which form the information necessary for the transfer processing from the information inputted from the input means M1 and the fixed information stored in the memory means M2 and collation processing means M4 which determine the supplementation of at least the deficient information and have the processing by the transfer information forming means M3 executed while collating whether there is a missing in the fixed information necessary for the transfer processing from the input contents from the input means M1 and/or the stored contents in the memory means M2.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer distribution processing method and a transfer distribution processing machine for distributing transfer processing in a financial institution.

[0002]

2. Description of the Related Art Generally, a customer who uses a financial institution to transfer a salary to a payee, when the number of transfers is relatively small, fills out a transfer form provided by the financial institution and transfers it to a counter. Alternatively, the money is transferred using a transfer machine provided at the window of the financial institution.

[0003]

However, in the case of the former, there is a problem that it is impossible to completely eliminate erroneous entry by the customer on the transfer sheet, and even if the customer writes the correct content on the predetermined transfer sheet, If the written characters, symbols, etc. are not in a predetermined format, there is a problem that a reading error occurs when read by a machine of a financial institution.
In the latter case, it takes a lot of time because the customer operates the transfer machine to input all the many items required for the transfer even though the number of the customer's transfer is relatively small. As a result, it takes a long time to occupy a bank transfer machine by one person, and there is a problem that many other customers are held.

The present invention has been made for the purpose of solving the above problems, and proposes an accurate and speedy transfer procedure.

[0005]

The transfer distribution processing method of the present invention made to achieve the above object is an input means for inputting at least a part of transfer processing information given to a host computer of a financial institution, and the transfer. And a storage unit for storing a part of the processing information as fixed information, and using a plurality of transfer distributed processing machines arranged for one host computer, at least a part of the transfer processing information is stored. A transfer decentralized processing method for executing transfer processing by inputting each time and forming information necessary for transfer processing from information input each time and fixed information stored in the storage means, Based on the input information and / or the fixed information, whether or not there is a lack in the fixed information necessary for the transfer process is checked, and at least supplementation of the insufficient information is requested. And forming a transfer processing information.

Further, the transfer distributed processing machine of the present invention suitable for realizing such a distributed processing method is, as illustrated in FIG. 1, an input means for inputting at least a part of transfer processing information given to a host computer of a financial institution. M1 and storage means M2 for storing a part of the transfer processing information as fixed information
And a plurality of transfer distributed processing machines provided for one host computer, wherein transfer processing is performed from the information input from the input means M1 and the fixed information stored in the storage means M2. Whether the fixed information necessary for the transfer process is missing from the transfer process information forming unit M3 that forms the necessary information and the input contents from the input unit M1 and / or the stored contents of the storage unit M2. While collating
At least the collation processing means M4 for performing the processing by the transfer information forming means M3 in order to request the supplementation of the insufficient information is provided.

Here, the input means M1 is for inputting transfer data, and can be constituted by using, for example, a keyboard. OCR device that uses light and magnetism,
It may be composed of a light pen, an OMR device, or the like. The storage means M2 is a so-called memory, which is of course incorporated in the distributed processing machine, but it is more convenient if it is detachably constructed using an IC card or the like.

The fixed information stored in the storage means M2 is the transfer processing information used for each transfer when it is determined in advance that a transfer should always be made to a certain payee, such as a salary transfer. Is part of. Specifically, the recipient's bank branch code, deposit type, account number, etc. can be mentioned, but of course any information necessary for financial transactions can be used. It is convenient to keep information about the transfer account on the transferee side as fixed information. This fixed information may be input by a user from the input means M1 and registered, or may be input and registered by a financial institution in advance.

The transfer processing information forming means M3 performs transfer processing from the information to be specified each time such as the payee code and the transfer amount input from the input means M1 and the fixed information stored in the storage means M2. It forms necessary information, and can be realized by a program integrally configured as an arithmetic logic operation circuit using a CPU.

The collation processing means M4 can also be realized by a program in a logical operation circuit similarly to the transfer processing information forming means M3. Incidentally, as the fixed information, in addition to the above example, the limit amount of the transfer amount for each customer is also effective. In this case, a function of performing a predetermined process such as invalidating the input amount exceeding the transfer amount limit may be further added.

In connection with the purpose of realizing accurate and speedy processing, a particularly effective structure is the addition of the information in the transfer distribution processing method according to claim 1 in response to the request for replenishment. There may be mentioned a configuration in which is stored and fixed in the storage means.

Similarly, the transfer distributed processing machine according to claim 3 further comprises information fixing means for storing the information replenished in response to the request for replenishment in the storage means to obtain fixed information. Can also be encouraged.

[0013]

According to the distributed processing method of the present invention, at least a part of the transfer processing information may be input each time, and the input items can be reduced. On the other hand, if the information required for the transfer process is missing from the input information and / or the fixed information, the transfer process information is formed after at least supplementing the missing information. .

The operation of the transfer distribution processor of the present invention is similar to this. That is, according to the transfer distributed processing machine of the present invention having the above configuration, the user can input all or part of the transfer processing information required for the transfer at the window of the financial institution by the input means M1. it can. At this time, since the storage means M2 for storing a part of the transfer processing information as the fixed information is provided, the user does not need to input all the information each time, and it is necessary to register in advance. It is sufficient to enter only the information that cannot be provided, for example, simple information such as the code number and the amount of money for identifying the transfer destination this time. Therefore, the operability is remarkably improved and an error is unlikely to occur.

However, if there is no such fixed information in advance, the processing cannot be executed.
For example, in the case where a financial institution receives submission of fixed information and stores it in the storage means M2 in the case of a usage contract with a user, etc., if the fixed information is missing, it cannot be processed at all. There is a risk that you may end up making a transfer request that the recipient cannot be specified.

Therefore, in such a case, the collation processing means M4 collates whether or not the information necessary for the transfer processing is missing, and at the same time, the remittance processing information forming means M3 is sought for supplementation of at least insufficient information. The above-mentioned problem is prevented from occurring by adopting a configuration in which the processing by is executed.

A distributed processing method according to claim 2 and
According to the distributed processing machine of the fourth aspect, the information thus replenished can be used as the fixed information from the next time, and the speeding up from the next time can be promoted.

[0018]

EXAMPLES In order to further clarify the constitution of the present invention described above, preferred examples of the present invention will be described below.
FIG. 2 is a perspective view showing a distributed processing machine 1 for a transfer in a financial institution as one embodiment of the present invention. In the transfer distributed processing machine 1 of this embodiment, the customer borrows the data at the window of the financial institution and stores the data of the transfer of salary in the IC card 2 at the office, and brings only the IC card 2 to the window of the financial institution. Then, the payroll is transferred.

As shown in the figure, the distributed processing machine 1 of the transfer of the present embodiment comprises a keyboard 3 for inputting transfer data such as transfer destination data and amount data, and a display device (CRT) for displaying input / output data and calculation results. ) 4 and a control unit 5 and an IC card 2 for storing transfer data. As shown in FIG. 3, the control unit 5 is a CP that performs arithmetic processing.
U11, the ROM 13 for storing the control program for the transfer process of the present embodiment, the RAM 15 for reading or writing each data and the processing result, the reading of the information stored in advance in the IC card 2, or the transfer data and the processing result by the IC. It is composed of an IC card reader / writer unit 17 for outputting to the card 2.

The transfer distributed processor 1 of this embodiment described above.
According to the transfer data input from the keyboard 3,
The predetermined processing is performed by referring to various data relating to the transfer stored in advance in the IC card 2, and the processing result and the keyboard 3
The input data input from is output to the storage unit of the IC card 2 and further displayed on the CRT 4.

Then, the distributed processing of payroll transfer according to the present embodiment will be explained based on the flowcharts of FIGS. 4 and 5 and the file format of the payroll transfer data and the like stored in the storage unit of the IC card 2 illustrated in FIG. To do. The distributed processing of payroll transfer according to the present embodiment is started by an input operation for starting processing. First, the fixed item 61 regarding payroll transfer is I
It is determined whether or not it is registered in the storage unit of the C card 2 (step 21), and if it is not registered, the fixed item 61 is input (step 23) and it is stored in the storage unit of the IC card 2. (Step 25). The fixed item 61 is
For example, as shown in FIG. 6, transfer category 61a, requesting store number 61b, client code 61c, scheduled transfer date 61d, automatic transfer fund withdrawal account 61e, designated transfer date 61f, etc. In addition, in step 21, fixed items 61 related to salary transfer
If is registered in the storage unit of the IC card 2, the process proceeds to step 27.

Next, in steps 27 to 37, the registration process of the recipient master 65 is performed. Specify whether or not to enter the recipient master registration (step 27),
When it is designated that there is an input (step 29), the recipient code 67a is entered (step 31), and it is judged whether or not there is a master of the recipient of the code entered in the storage section of the IC card 2. (Step 33) If not registered, the master item of the recipient is input (step 35). The master items of the payee are, for example, a destination bank branch name code 67b, a send destination bank branch name 67c, a deposit item 67d, a payee name 67e, and a deposit account number 67f as shown in FIG. The master item of the recipient inputted in step 37 is registered in the storage section of the IC card 2 and the process returns to step 27. Designate whether or not to input the recipient master (step 27), judge the designation (step 29),
The same process as the process described above is performed.

In steps 39 to 45, processing for storing the transfer data is performed. It is designated whether or not to input the transfer data of the salary (step 39), and it is determined whether or not the input of the transfer data 69 is designated (step 41). When the transfer data 69 is input, the transfer data 69 such as new, changed, or deleted for one person is input (step 43). The transfer data 69 is, for example, the recipient code 7
1a, amount of money 71b, telegraph / normal application 71c, etc.
The transfer data 69 previously input is stored in the storage unit of the IC card 2 (step 45). Returning to step 39, it is designated whether or not to input another transfer data, and it is determined whether or not there is an input of the transfer data (step 41). If there is, the process proceeds to step 43 and is described first. The same process as the above process is performed. If not, the process proceeds to step 47 to calculate the transfer data, for example, the transfer request total number 63a, the transfer request total amount 63b, etc., and store the calculated result in the storage unit of the IC card 2 (step 49). This process ends. As a result, the salary transfer data is stored in the IC card.

By the above-described processing, the transfer distributed processing machine 1 of this embodiment inputs only the variable items and the variable data to the IC card 2 by using the fixed items already registered in the IC card 2. Further, there is an effect that the time required for inputting the transfer data is shortened and errors in the input data are further reduced. Further, since the transfer decentralized processing machine 1 is rented out from the window of the financial institution and used, the transfer operation at the window is reduced and the congestion at the window can be alleviated. Further, by using the data of the IC card, the transfer business time at the financial institution is greatly shortened, and the number of days until the transfer is transferred to the payee's account is shortened, which is an excellent effect.

In the transfer disperser 1 of this embodiment, the transfer fund automatic withdrawal account 61 is registered in the fixed item 61 of the IC card 2, and the withdrawal account 6 registered in the IC card 2 at the financial institution.
Processing is done to withdraw the transfer money from 1. Therefore, the labor of the transfer can be further simplified and no error occurs. Of course, the customer, together with the IC card 2, requested a total amount of money of 63
Money equivalent to b may be brought to a counter of a financial institution and transferred to a machine provided at the counter. In this case, since it is not necessary to deposit money for each transfer, it is possible to shorten the processing time and reduce the labor for money processing.

Although one embodiment of the present invention has been described above, the present invention is not limited to this and can be implemented in various modes without departing from the scope of the invention.

[0027]

As described above in detail, according to the transfer distribution processing method and the transfer distribution processing machine of the present invention, a part of the transfer processing information is fixed in advance as the fixed information. It is possible to reduce the input information of, and it is possible to achieve the accuracy and speed of the transfer procedure. Moreover, in order to prevent the subsequent processing from becoming unexecutable or erroneous due to the loss of this important fixed information and the information input each time, there is a missing information necessary for the transfer processing. By adopting a configuration in which the transfer information is formed after asking for supplementation of at least insufficient information while checking whether or not it is possible, it is possible to always execute processing smoothly and prevent problems such as forgetting to register for the first time. it can.

As a result, there is an excellent effect that the character written by the customer is not erroneously processed, and the customer does not occupy the transfer machine at the window of the financial institution to hold another customer. Further, according to the distributed processing method according to claim 2 and the distributed processing machine according to claim 4, the information supplemented in this way can be used as fixed information from the next time, and the speeding up from the next time can be promoted. It also has the effect of being able to.

[Brief description of drawings]

FIG. 1 is a basic configuration diagram illustrating the concept of the present invention.

FIG. 2 is a perspective view illustrating an example of a transfer dispersion processing machine according to an embodiment of the present invention.

FIG. 3 is a system configuration diagram of a transfer distributed processing machine that is an embodiment of the present invention.

FIG. 4 is a flowchart showing a part of processing executed in an embodiment of the present invention.

FIG. 5 is a flowchart showing a part of the rest of the processing executed in the embodiment of the present invention.

FIG. 6 is an illustration showing a file format stored in an IC card that is an embodiment of the present invention.

[Explanation of Codes] M1 ... Input means, M2 ... Storage means, M3 ... Transfer processing information forming means, M4 ... Collation processing means, 1 ... Distributed processing machine, 2 ...
IC card, 3 ... Keyboard, 4 ... CRT, 5 ... Control unit, 11 ... CRU, 13 ... ROM, 15 ... RAM, 17
… IC card reader / writer.

Claims (4)

[Claims] 1. Input means for inputting at least a part of transfer processing information to be given to a host computer of a financial institution,
At least a part of the transfer processing information is provided by using a transfer distributed processing machine that is provided with a storage unit that stores a part of the transfer processing information as immobilization information and that is provided in plural for one host computer. Is performed each time, and the transfer distribution processing method is performed in which the transfer processing is executed by forming the information necessary for the transfer processing from the information input each time and the fixed information stored in the storage means. hand,
Forming transfer processing information by checking at least supplementation of the lacking information while verifying whether or not the fixed information necessary for the transfer processing is missing from the input information and / or the fixed information. A transfer distribution processing method characterized by the above. 2. The transfer distribution processing method according to claim 1, further comprising: storing and fixing information replenished in response to the request for replenishment in the storage means. 3. Input means for inputting at least a part of transfer processing information to be given to a host computer of a financial institution,
A transfer distributed processing machine provided with a storage means for storing a part of the transfer processing information as fixed information, wherein the plurality of transfer distributed processing machines are provided for one host computer, the information input from the input means. And a transfer processing information forming means for forming information necessary for transfer processing from the fixed information stored in the storage means, and a transfer processing from the input content from the input means and / or the storage content of the storage means. And a collation processing unit that collates whether or not there is a lack of fixed information required for the above, and at least requests the supplementation of the lacking information to execute the process by the transfer information forming unit. Distributed processing machine. 4. The transfer distributed processing machine according to claim 3, further comprising an information fixing means for storing the information replenished in response to the request for replenishment in the storage means to obtain fixed information. Transfer distributed processing machine characterized by.