JPH0646429B2 - Counter transaction processing method - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a method of processing a counter transaction, and in particular, in a counter system using a counter device and a passbook issuing machine, a passbook for a transaction of processing at the counter device. The present invention relates to a counter transaction processing method capable of efficiently executing an issuing operation by a passbook issuing machine and a transaction processing operation in a counter apparatus when a carryover occurs.

In order to save labor in the window of financial institutions such as banks, automated cash deposit / withdrawal and automated passbook handling are being promoted. Regarding the handling of passbooks in particular, we developed a bookkeeping machine that prints transaction data on the inside paper of a passbook and a passbook issuing machine that prints out certain items such as account numbers and nominations on the cover of a new passbook. ， Practical application

[Prior Art] In a system in which a teller machine is connected to this passbook issuing machine, the passbook issuer is activated by an instruction from the teller machine or a host device to which the teller machine is connected.

For example, when considering the issuance of a passbook when the passbook is repeated, it is assumed that the passbook is carried over at the bookkeeping machine (passbook printer) of the window device. It should be noted that the passbook carryover means a case where the transaction data print column of the passbook is full and the next new passbook needs to be issued. On the other hand, there is also a case where a passbook is issued with the opening of a new account.

When a passbook carryover occurs, an instruction to issue a passbook is issued from the window device. Alternatively, a passbook issuing instruction may be issued from a higher-level device (host) by a notification from the window device.

These passbook issuing instructions cause the passbook issuing machine to perform the issuing operation.

On the other hand, in the window device where the passbook has been carried over, the processing of the transaction after the issue is continued after waiting for the issuance of the passbook by the issuing machine.

[Problems to be solved by the invention]

However, with the passbook issuing method described above, the processing of the window device is put on hold while the passbook issuing machine is operating. In other words, a customer who brings in a passbook and requests a deposit / withdrawal transaction is put on hold by the occurrence of this passbook carryover. In particular, there has been a problem that the processing operation by the operator (teller) of the window device also remains in a suspended state, and the processing efficiency at the window decreases.

[Means for solving problems]

The present invention aims to solve the above-mentioned problems.

For that reason, after instructing the passbook issuing machine to issue a passbook due to the occurrence of the carryover of the passbook, the window device temporarily suspends the transaction with the carryover of the passbook and executes the transaction of the next customer. It is composed.

[Action]

In most cases, the customer makes a book entry at the counter, and the customer usually brings his or her passbook together with a slip requesting a deposit / withdrawal transaction. Then, after the bookkeeping (printing of transaction data for the current book and the last booklet) for the passbook received from the customer is completed, a cash (cash) process for deposit / withdrawal (especially withdrawal) is performed.

Therefore, in the present invention, the transaction processing for the next customer is interrupted during the waiting time at the time of issuing the passbook without breaking the order of the window transaction (the cash processing is performed after the passbook processing is completed).

The present invention will be described in detail below with reference to examples.

〔Example〕

FIG. 1 is a flow chart showing the operation of a window transaction system to which the present invention is applied, and FIG. 2 is a diagram showing an example of the system configuration of this window transaction system.

First, the configuration of the system shown in FIG. 2 will be described.

As shown in the figure, in this embodiment, a host 1 is connected to a plurality of window devices 3 and a passbook issuing machine 5 via a terminal controller (TC) 2. That is, this embodiment shows an example in which the host 1 issues a passbook issuing instruction.

A depositing machine 41 and a dispensing machine 42 are connected to the window device 3 via an interface 40.

The window device 3 includes a transmission / reception unit 31, a display unit 32, an input unit 33 such as a keyboard KB, a printer control unit 35, an MS (magnetic stripe), a read / write unit 36, and the like under the transaction processing unit 30 including a processor and the like. Prepare

The passbook issuing machine 5 includes a main control unit 50, a transmitting / receiving unit 51, an auto turn page (page turning) unit 52, a printer unit 53, and an M.
The S read / write unit 54 and the passbook stacker 55 are provided.

On the other hand, the host 1 is a central computer having a file (customer file) in which data regarding each customer and an account held by the customer is stored, and the transaction control unit 10 and the communication control unit 1
1, a file control unit 13, a book data editing unit 14, and the like, respectively.

The operation of the system will be described below with reference to the flowchart shown in FIG.

First, a customer brings a slip (withdrawal slip) requesting a transaction (for example, withdrawal transaction) and a passbook to a window. The teller at the window is
The voucher and passbook are received and transaction data is input from the keyboard 33. For example, the transaction type code and the withdrawal amount are sequentially input. On the other hand, the teller inserts the received passbook into the insertion port of a passbook printer (not shown). The MS information of the passbook 6 inserted by this is transferred to the MS unit 36 via the head 38.
Read by Then, the account number of the information read from the MS is extracted as transaction data.

Each of these transaction data is sent to the host 1 via the transmission / reception unit 31 and TC2. Transaction control unit 10 of host 1
Activates the file control unit 13 using the account number in the transmitted transaction data as a key.

The file control unit 13 refers to a customer file (not shown) based on the supported number to obtain the balance and unregistered book data in the account.

The obtained end book data is edited by the editing unit 14 and used as print data for the passbook 6 in the window device 3. on the other hand,
The transaction control unit 10 determines whether or not the requested transaction is possible based on the calculated account balance. If it is determined that the transaction is permitted, the transaction control unit 10 sends the bookkeeping data edited by the editing unit 14 to the window apparatus 3 via the communication control unit 11.

In the window device 3, the received bookkeeping data is transferred to the printer control unit 3
It is given to the printer 37 including the print head via 5 and the middle paper of the passbook 6 is printed. And printer 3
When the bookkeeping by 7 is completed, the fact is notified to the host 1. Then, the withdrawal machine 42 counts and releases cash in accordance with the withdrawal transaction command from the host 1. Teller
The released cash and the passbook that has been booked are handed over to the customer, and the transaction is finished.

On the other hand, it is assumed that the passbook 6 becomes full (page end) during the bookkeeping by the printer 37. Then, the printer control unit 35
The transaction processing unit 30 is notified of the end of the passbook. Receiving the notification, the transaction processing unit 30 sends a message to the host 1 indicating that a bankbook carry-over has occurred, as shown in FIG.

When receiving the electronic message indicating that the bankbook has been carried over, the transaction control unit 10 of the host 1 turns on the process interruption flag F together with the data (account number and transaction request content in FIG. 2) related to the transaction and stores it in the memory 12. Next, the control unit 10 instructs the passbook issuing machine 5 to issue a passbook.

This issuance instruction includes data necessary for issuing a passbook (for example, account number, name, print data for each bookkeeping data, and MS data).
Data) are included.

The instruction from the host 1 is sent to the issuing machine 5 via the transmitting / receiving unit 51.
Is provided to the main control unit 50 of. The main control unit 50 activates the delivery mechanism 56 and the transport mechanism 57 to deliver the passbook for issuance from the stacker 55. And MS read / write section 5
4 is used to write MS data, print the passbook cover items (number, name, etc.) by the printer unit 53, and record on the middle paper.

At this time, the MS section 54 writes the process interruption flag on the MS of the passbook in addition to the normal MS data.

On the other hand, in the window device 3 which issued the carry-forward message of the passbook 6, the transaction processing unit 30 performs the interruption processing of the transaction in progress. Specifically, the teller 6 is discharged when the book is full, and the teller is notified of the occurrence of the carry-over by the guidance on the display unit 32.

Then, the transaction processing unit 30 notifies the teller via the display unit 32 that the next transaction can be input.

As described above, in the present embodiment, the window device enables the next transaction input without logging (temporarily saving) the data regarding the interrupted transaction.

This allows tellers to
You will be asked to wait for a while and the next customer's transaction will be accepted.

Completion of the passbook issuing operation by the passbook issuing machine 5 is notified to the counter device via the host 1. This notification is sent to the window device 3
This is done by displaying a message of completion of passbook issuance on the display unit 32.

With this completion message, the teller receives the passbook discharged from the discharge port 58 of the passbook issuing machine 5 after finishing the transaction in progress (that is, the transaction of the next customer). Then, the received passbook is inserted into the passbook printer of the window device 3. Then M
The passbook MS is read by the S unit 36. This read data (MS data) will be sent to the host 1. This MS data includes regular data including the above-mentioned interruption flag and mouth number. Upon receiving the MS data, the control unit 10 of the host 1 determines whether or not the data includes a processing interruption flag. As a result of the discrimination, if there is a flag, the data regarding the transaction stored in the memory 12 is read by using the mouth number as a key, and the transaction processing is restarted. If the flag is not detected, it is determined that an incorrect passbook has been inserted, and an error notification is given to the counter device.

In other words, when the passbook issuance is completed, the transaction data that comes up next from the window device that issued the passbook is only the data relating to the account number shown in the passbook.

Then, the resumption of the transaction from the host 1 is performed by giving the next instruction at the stage when the entry into the passbook is completed. As a result, the transaction that has been interrupted by the window device 3 is resumed (for example, withdrawal processing). Then, the suspension flag on the passbook MS is not erased by the MS unit 36, and the passbook is released to the teller. Teller will hand the withdrawn cash and passbook to the customer, completing the suspended transaction.

As described above, in the present embodiment, the passbook issuing operation and the transaction processing of the next customer can be performed in parallel, and the processing efficiency of the counter transaction can be improved.

In the embodiment, the data of the interrupted transaction is held in the memory of the host 1 to reduce the processing load on the window device side. However, the terminal control device can also be provided with data regarding this interrupted transaction. Further, these data can be held in the memory 34 of the window device 3.

Further, in the embodiment, the case where the passbook issuing process at the time of carrying over the passbook and the process of the next transaction at the counter are performed in parallel has been described. However, it goes without saying that the present invention can be applied to the case where the passbook issuance process by the issuing machine and the next transaction process at the counter are performed in parallel when the passbook is issued by opening a new account.

〔The invention's effect〕

As described above, according to the present invention, in a system in which passbook issuance is automated, it is possible to effectively use the waiting time for passbook issuance on the window device side due to the occurrence of a passbook carryover during transaction processing. Therefore, it is possible to substantially improve the transaction processing efficiency at the counter.

[Brief description of drawings]

1 and 2 show an embodiment of the present invention. FIG. 1 is a flow chart showing the operation of the window transaction system, and FIG. 2 is a diagram showing an example of the configuration of the system. 1 is a host, 3 is a window device, and 5 is a passbook issuing machine.

Claims (1)

[Claims] 1. A window device having an input means for inputting transaction data, a transaction processing part for performing a deposit / withdrawal transaction based on the input data, and a bookkeeping part for printing transaction data on a passbook, and this window device And a passbook issuing machine having a printing means for printing predetermined items on a passbook medium, and when a passbook carryover occurs during the posting of transaction data in the entry section of the above-mentioned counter device, the passbook is carried out. The issuing machine issues an instruction to issue a passbook, interrupts the transaction that caused the carry-over of the passbook at the counter, and processes the next transaction. A window transaction processing method characterized by restarting an open transaction.