JPH06348743A - Bank transaction system - Google Patents

Abstract

PURPOSE:To shorten data processing time and to carry out high-reliability processing by parallelly processing many bank transactions with plural communication terminals and communication lines under the control of a central processing unit(CPU) while using any specified communication control equipment. CONSTITUTION:A communication control equipment 1A is composed of a CPU 10 composed of a personal computer or the like, plural communication terminals 12, and communication terminal interface 11 for connecting the unit 10 and the terminals 12. On the other hand, this system is provided with a public telephone network 2, packet exchange network 3, bank ANSWER center 4 and a lot of bank accounts 5. When a customer inputs work contents to the unit 10, communication destination telephone number data and bank transaction data are transmitted to the plural communication terminals 12, the terminals 12 automatically originate calls by catching the plural communication lines based on the received communication destination telephone number data, and the transactions instructed by the customer are parallelly processed with a communication destination bank host based on the bank transaction data. Thus, a lot of bank transaction data can be unitarily managed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank transaction system for a customer to carry out a bank transaction between a communication terminal owned by the customer and a bank host by using a data communication function. For general information on this type of electronic trading system, see, for example, "Electronic Funding Transactions" edited by the Electron Banking Research Group in the Ministry of Finance.
You can refer to the description of (issued on May 5th).

[0002]

2. Description of the Related Art As shown in the above-mentioned documents (see especially pp.149), in recent years, banks' ANSER (Automatic Anns)
With the wer Network System for Electrical Request) service, customers can instantly perform online transactions such as bank account balance inquiry, deposit / withdrawal details, and transfer / transfer by their own operations using communication terminals. The system has been put to practical use. FIG. 3 shows an example of the configuration. In the figure, 1 is a communication terminal, 2 is a public telephone network, 3 is a packet communication network, 4 is a bank ANSER, and 5 is a bank host. In this configuration example, the communication terminal 1 is a display phone (a liquid crystal display, a data communication terminal equipped with a modem), a family computer (a modem or the like is externally required as a communication function), or a personal computer (a personal computer).
It is composed of a computer) + a modem, etc., and the customer operates the keyboard and executes a predetermined business application while watching the display (the above-mentioned liquid crystal display, home TV for family computers, dedicated display for personal computers). Public telephone network 2 and packet communication network 3
Is a means for getting into a packet switching network from a public telephone network called DDX-TP, and the communication terminal 1 can communicate with a bank ANSER4, which is a communication destination, by a normal analog data communication procedure. It is possible.
In the future, it may be configured by INS-P of the integrated digital communication network, that is, packet communication in ISDN. Further, as shown in FIG. 3, the bank ANSER 4 uses a common communication procedure for a customer and a plurality of bank hosts 5, that is, a customer's communication terminal 1 and a plurality of bank accounts (bank accounts 1 to n, bank account X). V is the most popular media conversion device for Japanese financial institutions.
It is one of the AN centers.

For the purpose of explanation, the contents of customer service will be assumed below. The customer checks the balance of a plurality of bank accounts owned by the customer (indicated by bank accounts 1 to n in FIG. 3),
Consider a case where a necessary amount is transferred to a specific bank account X according to those balances. If the system configuration of FIG. 3 is used, the operation sequence is as shown in FIG. In FIG. 4, (1) and (2) are start procedures, and (3) and (4) are end procedures. When the customer takes action to start the service,
Automatic dialing is performed in (1) to a preset bank ANSER center, and modem communication is enabled in (2). (A) to (j) in FIG. 4 are procedures relating to the actual bank transaction, and in this example, when the termination of the service is requested in (j), the termination procedure after (3) is reached. Here, when the continuation of the service is requested, the above steps (a) to (j) are repeated again. The information of the bank account i in the above (b) is composed of information which the customer inputs by key such as bank code, branch code, account number and personal identification number. On the other hand, in (f) the fund transfer information to the bank account X, in addition to the bank code, branch code, and account number of the same bank account i described in (b) above, it is registered in the bank account i to be separately keyed. It is configured by keying in the registration number of the existing bank account X (which is registered in the customer's bank in advance), the transfer personal identification number, and the transfer amount Yi from the bank account i to the bank account X. Therefore, from i = 1 to i = n, the above (a) to
If the operation (j) is repeated n times, the service content assumed above is executed. In this way, the customer can instantly transfer funds online to his / her specific bank account X by looking at the balance of the bank account i and keying in the necessary items with the keyboard.

[0004]

In the above-mentioned prior art, when executing the above-mentioned service, (1) the customer uses the bank code of the bank account i as the information of (b) and (f) in FIG.・ Branch code, account number, PIN, registration number registered as bank account X, bank transfer PIN, and transfer amount must be entered each time. (2) Since this service is executed online in real time, the customer needs to perform the following key operation while checking the information sent from the bank ANSER center on the display. (3) In the actual transfer of funds, including the bank host
(In Japan, business processing tends to concentrate on the 5th or 10th of the month or at the end of the month) etc., so it takes time to process the host-related business, and it may take a considerable amount of time to finish executing a series of jobs. There is. There is a risk that it will hinder the smooth management of funds by customers. In order to solve this, for example, as a measure against the busy season of (3), it is possible to prepare a plurality of communication lines and a plurality of communication terminals and distribute a large number of bank transactions by a plurality of operators. However, human error caused by an unfamiliar operator is rather increased, and the labor cost involved cannot be ignored. On the other hand, in addition to the online transaction described so far, there is a method of transferring a file to a bank host by batch processing to transfer funds. This is very effective when transferring money from a specific bank account X to a plurality of bank accounts 1 to n, as illustrated in FIG. 3, and is often used for employee salary transfer and general transfer. ing. But,
In the case of the above service conditions, it is necessary to send multiple files, the number of operations such as key input operations and destination specification increases, and it is not possible to immediately transfer funds according to the existing balance There is. The present invention has been made in view of the above circumstances, and an object of the present invention is to solve the above-mentioned problems in the prior art, to enable centralized management of a large number of bank transaction data, and to perform data processing. An object of the present invention is to provide a bank transaction system which can shorten the time and can perform highly reliable processing.

[0005]

The above objects of the present invention are as follows:
A plurality of communication lines, a plurality of communication terminals respectively connected to the plurality of communication lines, and a central control device for controlling the plurality of communication terminals, and a customer owns the communication line and its connection Is a bank transaction system for conducting online transactions using the communication terminals, wherein a customer inputs the business contents into the central control unit, and the communication destination telephone number data and the bank transaction data are transferred to the plurality of communication terminals. Sent to
The plurality of communication terminals captures the plurality of communication lines based on the received destination telephone number data and automatically makes a call, and is instructed by the customer with the destination bank host based on the bank transaction data. It is achieved by a banking transaction system which is characterized by executing different transactions in parallel.

[0006]

The bank transaction system according to the present invention comprises a plurality of communication lines, a plurality of communication terminals respectively connected to the plurality of communication lines, and a central control unit for controlling the plurality of communication terminals. Since a plurality of bank transaction processes are processed in parallel by the above-mentioned plurality of communication terminals and communication lines under the control of the central control device using the communication control device according to It is possible to realize a bank transaction system capable of centrally managing the data, shortening the data processing time, and performing highly reliable processing.

[0007]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram showing the configuration of a bank transaction system according to an embodiment of the present invention. In the figure,
Reference numeral 1A is a communication control device for carrying out a bank transaction owned by a customer online, and corresponds to the communication terminal shown in FIG. The communication control device 1A includes a central control device 10 including a personal computer and a plurality of communication terminals 12, and a communication terminal interface 11 for connecting the central control device 10 and the plurality of communication terminals 12. Note that 2 to 5 are the same as the components shown in FIG. 3, 2 is a public telephone network, 3 is a packet switching network, 4 is a bank ANSER center, and 5 is a large number of bank accounts. Here, the large number of bank accounts 5 are represented by n + 1 bank accounts of B ₁ to B _n and B _x , and the plurality of communication terminals 12 are _m of T ₁ to T _m .
It is shown in the figure as a platform. In addition, in the above-mentioned service conditions, B ₁ to B _n of a large number of bank accounts 5 are also called withdrawal accounts, and a specific bank account B _x is also called a deposit account.

Hereinafter, description will be given based on the above service conditions. First, the text data transferred from the central control device 10 to the plurality of communication terminals 12 via the communication terminal interface 11 at the time of start is configured as follows. (1) Serial number 1 to n (2) Bank code of withdrawal account, identification number for each bank (3) Branch code of withdrawal account Identification number assigned to each branch of bank (4) Withdrawal account subject and account number Ordinary / interim status and customer identification number (5) Withdrawal account PIN number Four-digit number registered for each withdrawal account (6) Recipient number Withdrawal Deposit account identification number registered in the account (7) Transfer transfer PIN number PIN code corresponding to withdrawal account and payee number (8) Balance of withdrawal account Balance to be left after fund transfer (9) Transfer amount unit Fund transfer Transfer amount unit (10) Activation condition If the withdrawal account balance exceeds the amount indicated in this activation condition, funds are transferred

Here, (8) to (10) will be described again. When the withdrawal account balance of the serial number i, the transfer amount unit and the activation condition are {Y _i1 , Y _i2 , Y _i3 }, the withdrawal account balance inquiry is performed, and if the account balance is Y _i3 yen or more, This means that Y _i1 yen is left in the withdrawal account and the funds are transferred in Y _i2 yen units. Here, the Y _i2 circle unit is, for example, 10
It means moving in units such as ten thousand yen. The customer uses the application software of the central control unit 10 such as a personal computer to execute the service according to the present invention as described above.
It is necessary to create the data from (1) to (10) and store / register it in the memory (nonvolatile memory). this is,
If you do not need to change the contents from (8) to (10), you can register it before using it so that it will not take time and effort. On the other hand, m units of T ₁ to T _m of the plurality of communication terminals 12 shown in FIG. 1 are connected to the communication terminal interface 11 and are connected to the public telephone network 2 by m communication lines. Each communication line has a one-to-one subscriber number
It corresponds to.

The above-mentioned communication line is connected to the bank ANSER 4 via the packet switching network 3, and the packet communication service includes a service based on the network ID system. This is a service in which the packet ID transmitted and received is followed by the network ID, which is the subscriber's telephone number. By comparing this network ID with the withdrawal account information from (2) to (5) above, This is intended to improve security. Therefore, here, in addition to the information from (1) to (10) above, the customer
It is necessary to store and register the subscriber number, which corresponds to the withdrawal account one-to-one and is registered in the bank host where the withdrawal account exists, in the memory (nonvolatile memory). In addition,
Each of the ports 1 to m of the communication terminal interface 11 and the subscriber's telephone number are associated with each other in advance. Figure 2
FIG. 6 is a diagram showing a processing sequence according to the present embodiment. When start is selected from the menu by the application software of the central controller 10, n sets of text data corresponding to the number of accounts n, which are stored in the non-volatile memory, are generally divided into n / m, and one pair is set for each account. 1 is transferred to each of the communication terminals T _j of the plurality of communication terminals 12 corresponding to the subscriber telephone number defined corresponding to 1.

FIG. 2 shows a processing sequence of one communication terminal T _j . The communication terminal T _j enters the start processing in the same procedure as shown in FIG. At this stage, it is desirable to correct the illegal input and confirm the input content. Upon receiving the bank code request message from the center, the communication terminal T _j sends the above information (b) to (e) such as the bank code and branch code of the dispensing account i to the center. On the other hand, when the service menu provided by the withdrawal account i is sent from the center, the communication terminal T _j
Requests a balance inquiry. When the account balance information Y _i is sent from the center, the communication terminal T _j determines the transfer amount by the method shown in FIG. 2 if the funds can be transferred from the conditions (h) to (j). After confirming, in addition to the information from (b) to (g), the confirmed movement amount is sent to the center, and the request code is sent to the center based on the request / cancellation request from the center,
One job ends. In this way, when the balance inquiry and the transfer of funds are automatically performed and the processing of the transferred text data is completed, the end of work procedure is reached and the processing result data is
Central control unit 10 via communication terminal interface 11
Transfer to.

On the other hand, when the central control unit 10 finishes receiving the processing result data from the m communication terminals, it displays the data on the display to the customer or outputs it to the printer. In addition, here, based on the assumed service condition, the balance inquiries of a large number of bank accounts i (i = 1 to n) possessed by the customer are performed, and depending on the balance, for example, if the amount is larger than a certain amount, the money is transferred. Although the case of performing the transfer / transfer business to a specific bank account X according to a transfer condition such as performing the above, other business of bank transaction, for example, inquiries of deposit / withdrawal details of a large number of bank accounts i may be performed. It is easily possible. According to the above-mentioned embodiment, since a large number of bank transaction data can be centrally managed and transaction processing is performed using a plurality of communication terminals connected to a plurality of communication lines, the data processing time can be shortened and a large number can be obtained. There is also an advantage that there is no fear of an input error as in the case of using the operator. In addition, when concentrating the funds in many bank accounts into Takesada's bank account, once transaction data is registered in the central control unit, it is possible to execute the business without complicated operations after that. It is an advantage. It is needless to say that the above embodiment shows one example of the present invention, and the present invention should not be limited to this.

[0013]

As described above in detail, according to the present invention, a large number of bank transaction data can be centrally managed, the data processing time can be shortened, and highly reliable processing can be performed. This has the effect of realizing a possible bank transaction system.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a bank transaction system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a processing sequence according to an embodiment.

FIG. 3 is a diagram showing a configuration example of a conventional bank transaction system.

4 is a diagram showing a processing sequence of the system shown in FIG.

[Explanation of symbols]

1A: communication control device, 2: public telephone network, 3: packet switching network, 4: bank ANSER center, 5: many bank accounts, 10: central control device, 11: communication terminal interface, 12: communication terminal.

 ─────────────────────────────────────────────────── ─── Continuation of the front page (72) Akihito Tanaka, 3-5-6 Fushimi-cho, Chuo-ku, Osaka City, Osaka Prefecture Sanwa Bank, Ltd. (72) Yuji Ueda Fushimi-cho, Chuo-ku, Osaka City, Osaka Prefecture 3-5-6 Sanwa Bank, Ltd.

Claims (1)

[Claims] 1. A customer owns a plurality of communication lines, a plurality of communication terminals respectively connected to the plurality of communication lines, and a central control device for controlling the plurality of communication terminals, which the customer owns. A bank transaction system for conducting transactions online using a communication line and a communication terminal connected to the communication line, in which a customer
By inputting the business content to the central control unit, the communication destination telephone number data and the bank transaction data are transmitted to the plurality of communication terminals, and the plurality of communication terminals are based on the received communication destination telephone number data. A bank transaction system, wherein a plurality of communication lines are captured and automatically called, and a transaction instructed by a customer with a correspondent bank host is executed in parallel based on the bank transaction data.