JPH07129692A - Method and device for transaction processing - Google Patents

Abstract

PURPOSE:To constitute a device so that a transaction time is shortened, a terminal equipment, etc., can be utilized effectively and the number of installed sets is decreased, and the expenses can be reduced. CONSTITUTION:Information related to a transaction is stored (S1), and based on the information related to a transaction, credit degree information is generated (S2), and based on this information, one of a first processing section or a second processing section is selected in accordance with a prescribed reference (S3). When a first processing section is selected, a terminal equipment transmits the transaction information to a host station (S4), and when the information for showing a fact that the transaction is formed is received, the object is outputted (S5). When a second processing section is selected, the terminal equipment transmits the transaction information to the host station (S7) after outputting the object, based on the transaction information (S6), before transmitting the transaction information to the host station. The host station executes a transaction formation result processing, based on the transaction information transmitted from the terminal equipment (S8), and also, generates and stores information related to a new transaction.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method and a transaction processing apparatus used when a transaction such as cash payment is made using a portable medium such as a magnetic card in a financial institution.

[0002]

2. Description of the Related Art A financial institution has installed an automatic transaction device for the purpose of speeding up cash payment transactions and saving labor. When making cash payment transactions with automated transaction equipment,
The following processing is performed. That is, the magnetic card brought by the customer is read by the automatic transaction device and the personal identification number, the payment amount, etc. are input. Since information such as deposit balance is generally held by a higher-level station such as a host computer, the automatic transaction device collects the information input by the customer as described above for the purpose of inquiring whether payment is possible and updating the balance. Create a telegram based on it and send it to the upper station. If the payment amount is within the balance, the higher-ranking station updates the balance and sends a message indicating the establishment of the transaction to the automatic transaction device. The automatic transaction device receives the electronic message, confirms that the transaction has been established, and then discharges cash corresponding to the payment amount and provides it to the customer.

[0003]

Therefore, in the above-mentioned transaction, processing relating to communication occurs between the automatic transaction device and the higher-ranking station. Therefore, processing time for this purpose, for example, transfer time in the line, host It requires computer processing time. In addition, a considerable amount of time is required because the mechanical operations such as cash counting are involved in discharging cash. In recent financial institutions and the like, there is a tendency to increase the installation of automatic transaction devices, and therefore, there is a demand for an automatic transaction device that can shorten the transaction time and has high processing efficiency.

The present invention was created in consideration of the above-mentioned circumstances, and it is possible for a customer to shorten the time to complete a transaction, and for a financial institution or the like to improve the service to the customer and to provide an automatic transaction device. It is an object of the present invention to provide a transaction processing method and a transaction processing device that can effectively use the above, reduce the number of installed units, and expect cost reduction.

[0005]

[Means for Solving the Problems] In order to solve the above problems, the present invention is as follows. That is, when a higher-ranking station and a terminal device connected to the higher-ranking station exist, a predetermined transaction is performed based on the transaction information including information about the operator input by the operator from the terminal device, and the transaction is successful. In a transaction processing method in which a predetermined object is output to the terminal device, and processing of a transaction establishment result is performed by a higher-ranking station, information regarding the transaction is stored in advance in storage means, and based on the information regarding the transaction. Reliability information about the operator is generated according to a predetermined standard based on the generated reliability information, and one of the first processing category and the second processing category is selected, and the first processing category is selected. When the processing category is selected, the terminal device transmits the transaction information to the upper station, outputs the object when receiving the information indicating that the transaction is completed from the upper station, and executes the second processing. If you choose minute, the terminal device transmits the transaction information after outputting said object based on said transaction information prior to transmitting to the upper station, the transaction information to the host station,
The higher-level station performs processing for the transaction closing result based on the transaction information transmitted from the terminal device,
Based on the transaction information, new information regarding the transaction is created and stored in the storage means.

When the first processing category is further selected, one of the third processing category and the fourth processing category is further added according to a predetermined standard based on the generated credit information. When selecting and selecting the third processing category, the terminal device transmits the transaction information to the higher-level station, and when receiving information indicating that the transaction is successful from the higher-level station, prepares for output of the target object. When the operation is started and the target object is output after the output preparation operation is completed and the fourth processing section is selected, the terminal device adds the transaction information to the transaction information before transmitting the transaction information to the upper station. Based on the start of the output preparation operation of the object based on the above, after that the transaction information is transmitted to the upper station in parallel with the output preparation operation, and the information indicating the establishment of the transaction is received from the upper station, the output is performed. Before after preparation It is obtained by the outputting of the desired product.

Further, there is a higher-level station and a terminal device connected to the higher-level station, and a predetermined transaction is performed based on the transaction information including the information about the operator inputted by the operator from the terminal device. In a transaction processing device in which a predetermined object is output from the terminal device when the transaction is successful, and a higher-ranking station performs processing on the transaction completion result, the terminal device acquires the process classification information based on the transaction information. Processing division information acquisition means, determination means for determining the processing division information acquired by the processing division information acquisition means, and the transaction information when the processing division information is determined to be the first processing division by the determination means. First to send to the upper station
Terminal device information transmitting means, upper station information receiving means for receiving information from the upper station, and output of the object when the information received by the upper station information receiving means includes acquisition completion information. When the information received by the first object output means and the upper station information receiving means includes the processing division information created by the processing division information creating means, the processing division information is processed by the processing division information. When the processing division information storage means stores the information in a predetermined manner so as to be acquired by the information acquisition means, and the processing division information is determined to be the second processing division by the determination means, the transaction information is stored in the higher rank station. A second object output means for outputting the object based on the transaction information before transmitting the transaction information to the host station; and a second terminal device information transmitting means for transmitting the transaction information to the upper station. The bureau includes terminal device information receiving means for receiving the transaction information transmitted from the terminal device, transaction related information creating means for creating new information on the transaction based on the transaction information, and information on the transaction. And a transaction-related information storage unit that stores information related to the transaction created by the transaction-related information creation unit in the transaction-related information storage unit, and a transaction is established by the transaction processing. Credit establishment information creating means for creating transaction establishment information indicating the establishment of a transaction, and credit information for extracting credit information about the operator based on at least information about the transaction stored in the transaction related information storage means. Extraction means and the processing section for creating new processing classification information based on the extracted credit information and a predetermined standard And information creation means,
The higher order station information transmitting means for transmitting the transaction establishment information created by the transaction establishment information creating means and the processing division information created by the processing division information creating means to the terminal device.

[0008] Also, connected to an upper station that performs transaction processing and processing relating to transaction establishment or failure,
In a transaction processing device that communicates with the upper station based on transaction information input by an operator and outputs a predetermined object in the case of a successful transaction, before transmitting the transaction information to the upper station, Output preparation processing means for performing output preparation processing of the object based on transaction information, and transmission / reception for transmitting the transaction information to the upper station in parallel with the output preparation processing and receiving transaction result information from the upper station. Means, an output preparation end judging means for judging whether or not the output preparation processing by the output preparation processing means is finished, and when the output preparation end judging means judges that the output preparation is completed, the data is received by the transmitting / receiving means. And a transaction result information received by the transmission / reception means when the transaction result information includes transaction completion information. Wherein in which it was decided and a desired product output suspended means to stop the output of the object when the establishment information is included.

[0009]

According to the present invention, the transaction processing method and the transaction processing apparatus having the above-described configurations have the upper station and the terminal device connected thereto, and the operator input from the terminal device by the operator When performing a predetermined transaction based on the transaction information including the information, the transaction information is stored in advance in the storage means, the credit information about the operator is generated based on this information, and the generated credit information According to a predetermined standard, either one of the first processing section and the second processing section is selected. When the operator conducts a transaction on the terminal device, and if the result of the selection is the first processing category, the terminal device transmits the transaction information input by the operator to the upper station, When the terminal device receives the information indicating the establishment of the transaction, the terminal device outputs the object. On the other hand, when the result of the above selection is the second processing category, the terminal device outputs the object based on the transaction information before transmitting the transaction information to the upper station, and then transmits the transaction information to the upper station. .
In addition, the higher-level station performs processing regarding the transaction establishment result based on the transaction information transmitted from the terminal device, creates new information regarding the transaction based on the transaction information, and stores the information in the storage means. It is what

Further, when the selection result is the first processing category, either one of the third processing category and the fourth processing category is determined according to a predetermined standard based on the generated credit information. Select one more. When the operator conducts a transaction at the terminal device, and if the result of the above selection is the third processing category, the terminal device transmits the transaction information described above to the upper station, and the higher station reports that the transaction is successful. When receiving the information indicating, the output preparation operation of the target object is started, and the target object is output after the output preparation operation is completed. On the other hand, when the result of the above selection is the fourth processing category, the terminal device starts the output preparation operation of the target object based on the transaction information before transmitting the above transaction information to the upper station. The transaction information is transmitted to the upper station in parallel with the output preparation operation, and when the information indicating the establishment of the transaction is received from the upper station, the object is output after the output preparation is completed.

Further, in the terminal device, when the processing division information acquisition means acquires the processing division information based on the transaction information, the determination means determines the processing division information acquired by the processing division information acquisition means. When the determination means determines that the processing division information is the first processing division, the following processing is performed. That is, the first terminal device information transmitting means transmits the above transaction information to the upper station. Since the upper station sends predetermined information, the upper station information receiving means receives this information.
After that, the first target object output means outputs the target object when the information received by the upper station information receiving means includes the acquisition completion information. Further, when the information received by the receiving means includes the processing division information created by the processing division information creating means, the processing division information storing means acquires the processing division information by the processing division information acquiring means. It is stored in a predetermined manner as much as possible. On the other hand, when the determination means determines that the processing division information is the second processing division, the following processing is performed. That is, the second object output means outputs the object based on the transaction information before transmitting the transaction information to the upper station. Then, the second terminal device information transmitting means transmits the above-mentioned transaction information to the upper station. Further, in the upper station, when the terminal device information receiving means receives the above-mentioned transaction information transmitted from the terminal device, the transaction-related information creating means creates information on a new transaction based on the above-mentioned transaction information. Then, the transaction-related information storage means stores the above-mentioned transaction-related information created by the transaction-related information creation means in the transaction-related information storage means. Further, the transaction establishment information creating means creates transaction establishment information indicating that the transaction is established when the transaction is established by the transaction processing. On the other hand, when the credibility information extraction unit extracts credibility information about the operator based on at least the information about the transaction stored in the transaction-related information storage unit, the processing is performed based on the extracted credibility information and a predetermined standard. The section information creating means creates new processing section information. After that, the higher station information transmitting means is to transmit the transaction establishment information created by the transaction establishment information creating means and the process classification information created by the transaction classification information creating means to the terminal device.

Further, before the output preparation processing means transmits the transaction information to the upper station, the output preparation processing means performs the output preparation processing of the target object based on the transaction information. Further, the transmitting / receiving means transmits the transaction information described above to the higher-level station and receives the transaction result information from the higher-level station in parallel with the aforementioned output preparation processing. Further, the output preparation end determination means determines whether or not the output preparation processing by the output preparation processing means is completed. When the output preparation end judging means judges that the output preparation is completed, the following processing is performed. That is,
The target output means outputs the target when the transaction result information received by the transmitting / receiving means includes the transaction completion information. The target output stop means stops the output of the target when the transaction result information received by the transmitting / receiving means includes transaction failure information.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. 1 is a conceptual diagram of the present invention, FIG. 2 is a system configuration example, FIG. 3 is a hardware configuration diagram of an automatic transaction device, FIG. 4 is a hardware configuration diagram of a host computer,
5 is a flowchart of the processing outline, FIG. 6 is a flowchart of processing in the automatic transaction device (No. 1), FIG. 7 is a flowchart of processing in the automatic transaction device (No. 2), and FIG. 8 is a flowchart of processing in the automatic transaction device (No. 3), FIG. 9 is a flowchart of post-delivery processing, FIG. 10 is a flowchart of processing in the host computer (part 1), FIG. 11 is a flowchart of processing in the host computer (part 2), FIG. 12 is a flowchart of discrimination code setting processing, FIG. 13 shows an example of information in a magnetic card, FIG.
Is an example of information in the balance file.

FIG. 2 is a structural example of a transaction processing system to which the present invention is applied. Reference numeral 1 is an automatic transaction device installed in a business institution of a financial institution, 2 is a host computer installed in an office center, 3 is a terminal control device installed in the aforementioned business store, and 4 is a line.

FIG. 3 is an automatic transaction device 1 to which the present invention is applied.
It is an example of the hardware configuration of. The automatic transaction device 1 includes a processor 101, a memory 102, a floppy disk device 103, a communication control unit 104, a disk (hereinafter, “DK”).
Control unit 105, DK 106, input unit 107, display unit 108, printing unit 109, magnetic card reading / writing unit 11
0, a cash processing unit 111, a timer 112 and the like. In addition, the cash processing unit 111 is a cash counting unit 111.
a and a cash discharging unit 111b and the like. Further, the automatic transaction device 1 is installed in, for example, a sales office,
It is connected to the terminal control device 3 via the communication control unit 104.

FIG. 4 shows a hardware configuration example of a host computer (hereinafter referred to as “HOST”) 2 to which the present invention is applied. The HOST2 includes a processor 201, a memory 202, a communication control unit 203, and a disk (DK) control unit 2.
04, a DK 205, an input unit 206, a display unit 207, a terminal control unit 208 for controlling the terminal device 5, a timer 209, and the like. The HOST2 is installed in, for example, an office center, and the communication control unit 203 and the line 4 are used.
It is connected to the terminal control device 3 via.

In the present embodiment, the present invention is described as being applied to a system for conducting cash payment transactions using the automatic transaction apparatus 1 installed in a sales office of a financial institution.

The outline of the present invention will be described mainly with reference to FIG. A customer comes to the store and starts a cash payment transaction with the automatic transaction device 1 installed in the store. When the customer inserts the magnetic card into the automatic transaction device 1, the automatic transaction device 1 reads the magnetic card. Further, the customer inputs information regarding the transaction such as a personal identification number and a payment amount from the input unit 107 (step S101). When the magnetic card reading and input of the transaction information by the customer is completed, the automatic transaction device 1
First, the discrimination code recorded on the read magnetic card is determined. Then, according to the determination result, the following processing is performed (step S102, step S107, step S110).

When the discrimination code is 0, communication is performed with a host station such as HOST2 (step S103), and after confirming that the transaction has been established, counting of cash equivalent to the payment amount is started (step S104). At the end of the cash counting, the cash is discharged so that the customer can receive the cash (step S105). After that, the transaction details are printed on the receipt (step S106), and the transaction process ends.

When the discrimination code is 1, on the assumption that the transaction is completed, the cash counting is started before the communication with the upper station (step S108), and the upper station communicates with the cash counting in parallel. Is performed (step S109). After that, at the end of the cash counting, the process proceeds to step S105 so that the cash is discharged and the customer can receive the cash.

When the discrimination code is 2, the cash counting is started on the premise that the transaction is completed without communication with the upper station (step S112), and the cash is discharged at the end of the cash counting and The customer is made to receive the cash (step S113). After that, the transaction contents are stored in the DK 106 in order to transmit the transaction contents to the higher-ranking station later and update the customer's balance and the like (step S114), and the process proceeds to step S106 to print the transaction contents on the receipt.

When the discrimination code is 3 (step S110)
When it is determined that the discrimination code is not 2 in),
After adding the payment amount to the total amount written in the magnetic card and processing the total amount to be stored in the magnetic card (step S111), it is premised that the transaction is completed without communication with the upper station. Then, the process proceeds to step S112 to start counting cash. When the total amount of money exceeds the predetermined amount of money in step S111, communication with the higher-ranking station is performed at the time of the transaction, as in the case where the discrimination code is 1.

The difference between the case where the discrimination code is 3 and the case where the discrimination code is 2 is as follows. That is, the same applies to paying cash to a customer on the premise that the transaction is completed without communication with the higher-ranking station at the time of transaction. on the other hand,
When the discrimination code is 3, the customer's balance is updated when the total payment amount exceeds the predetermined amount. Therefore, when the discrimination code is 3, the balance update timing is delayed and the customer is favored. Will be.

As is apparent from the above description, the transaction time becomes shorter as the value of the discrimination code becomes larger due to the parallel processing of the communication processing and the cash counting processing or the omission of the communication processing.

Regarding the setting of the discrimination code, for example, 0 is written as the discrimination code in the magnetic card provided to the customer at the time of opening an account, and as will be described later, the transaction status of the customer after that is taken into consideration. Therefore, the discrimination code will be changed appropriately. Information to be recorded in the magnetic card, such as a discrimination code, is encrypted as needed to improve security.

Next, details of the processing of the embodiment will be described mainly with reference to FIGS. 6 to 12. First, FIGS. 6 to 8 will be described. This process is a process when a customer performs a cash payment transaction operation on the automatic transaction device 1. A customer visits a business office to make a cash payment transaction, inputs information indicating that the cash payment transaction is selected by the automated teller machine 1 installed in this shop from the input unit 107, and a magnetic card is not shown. Since it is inserted into the insertion slot, the processor 101 reads the information recorded on the magnetic card from the magnetic card reading / writing unit 110 and stores the read information in the memory 102 (step S201). It should be noted that the magnetic card is described in this embodiment, but the present invention is not limited to this, and any writable and readable portable medium such as an IC card may be used.

Next, the customer inputs the personal identification number, the payment amount, and other necessary information from the input unit 107.
01 stores these pieces of information in the memory 102 (step S202, step S202). Subsequently, the processor 101 determines the discrimination code read from the magnetic card, and performs processing according to this value (step S204,
Step S301, Step S401, Step S40
7). That is, when the discrimination code is 0, step S20
5, the process proceeds to step S302 if 1,
In the case of 2, the process proceeds to step S401, and in the case of 3, the process proceeds to step S408. If the value is other than these values, it is determined that an error has occurred, and a message indicating that the transaction cannot be performed is displayed on the display unit 108.

After step S205, the discrimination code is 0.
This is the processing in the case of. This process is to start the cash payment operation after confirming the establishment of the transaction in HOST2. A transaction telegram is assembled based on the personal identification number, the account number, the payment amount, etc. input by the customer (step S205) and transmitted to the HOST2 via the terminal control device 3 (step S206). As will be described later, HOST2
Performs a predetermined process and transmits a transaction result electronic message to the automatic transaction device 1 via the terminal control device 3, so the automatic transaction device 1 receives this electronic message via the communication control unit 104 (step S207).

Based on the contents of this electronic message, the processor 101 determines whether or not the transaction has been established (step S208). If it is determined that the cash is satisfied, it can be confirmed that the customer can pay cash at this point, so the processor 101 starts the cash counting unit 111a so as to start counting cash corresponding to the amount input in step S203. To the user (step S209). Accordingly, the cash counting unit 111a performs the cash counting operation by the cash counting unit 111a itself. The processor 101 waits for the cash counting unit 111a to notify that the cash counting is completed and the preparation for discharging, that is, making the cash into a state in which the customer can receive the cash is completed (step S210). When the discharge preparation completion notification is issued, the processor 101 discharges the cash at the cash discharge unit 111b, and puts it in a state in which the customer can receive it (step S211).

Here, the cash discharge preparation and discharge, that is, the process for making the cash available to the customer by taking out the required number of cash by the cash counting unit 111a and then discharging it by the cash discharging unit 111b. The following is a more detailed description.

A first example is a case where the cash counting unit 111a and the cash discharging unit 111b having an opening are different from each other and are different from each other. In the discharge preparation stage, the cash counting unit 111a takes out a required number of cash from a cash storing unit (not shown), and the cash counting unit 111a.
The cash at this position is not available to the customer because it is in the automatic transaction device 1. The discharging stage is until the cash held in the cash counting unit 111a is conveyed to the cash discharging unit 111b. The cash conveyed to the cash discharge unit 111b can be obtained by the customer through the opening.

As a second example, the cash counting unit 111a and the cash discharging unit 111b are the same, but an opening / closing mechanism such as a shutter is provided at a position corresponding to the opening in the first example. As the emission preparation stage, the cash counting unit 1
The required number of cash is taken out at 11a and the cash counting unit 11
The cash is not available to the customer because the opening and closing mechanism remains closed at this point. The discharge stage is
That is, the opening / closing mechanism is opened. The open state allows the customer to obtain cash.

In step S212, based on the instruction to write the discrimination code set in the memory 102 in the transaction result message or in step S309, or the instruction to write the accumulated amount in step S411,
The magnetic card reading / writing unit 110 writes necessary information such as the identification code and the accumulated amount on the magnetic card, and then ejects the information (steps S212 and S213). Then, the printing unit 109 prints and discharges necessary information such as the transaction result and the payment amount on the receipt (step S214), and the process ends.

Although the discrimination code, the accumulated amount of money and the like are written in the magnetic card in the above step S212, in addition to this, for example, in the case where the customer uses the specific automatic transaction apparatus 1 in operation, , DK106 together with the account number, and the above-mentioned information may be taken out using the customer's account number as a search key at a later transaction.

In the above embodiment, step S2
The cash counting operation of the processing portion from 10 to step S214 is a serial operation. That is, after the completion of the counting operation is confirmed and the cash is discharged, the magnetic card is written and the receipt is printed. However, if necessary, the above-mentioned processing can be configured to be performed in parallel with the cash counting operation. For example, after the magnetic card writing and the receipt printing, the counting operation end confirmation and the cash discharge processing may be performed. By making such changes, the entire processing time until receipt printing is further shortened. On the other hand, in this case, the cash discharge timing is delayed as compared with the present embodiment, which means that the cash receipt timing is delayed for the customer. In consideration of these advantages and disadvantages, the optimum processing part may be configured to operate in parallel.

When it is determined in step S208 that the transaction has not been established, a message to that effect is displayed on the display unit 108 (step S215), and a predetermined key provided in the input unit 107 indicating that the customer has confirmed. When is pressed, the process proceeds to step S212.

After step S302, the discrimination code is 1
This is the processing in the case of. In this process, in anticipation of the establishment of the transaction, counting of cash is started before confirming the establishment of the transaction in HOST2. The processor 101 is
The cash counting unit 111a is instructed to start counting cash corresponding to the amount of money input in step S203 (step S302). Thereby, the cash counting unit 111
a performs the cash counting operation by the cash counting unit 111a itself.

The processor 101 is the cash counting unit 1 described above.
The following processing is performed in parallel with the cash counting operation by 11a. That is, after the operation of the cash counting unit 111a is started, the personal identification number, the account number, and the payment amount input by the customer (when the discrimination code is 3 are calculated in step S409 and stored in the memory 102). A transaction message is assembled based on the total amount) and the like (step S303) and transmitted to the HOST2 via the terminal control device 3 (step S30).
4). The parallel processing described above is disclosed in, for example, Japanese Patent Laid-Open No.
As disclosed in Japanese Unexamined Patent Publication No. 3-30274, this can be realized by preparing a cash counting process, a transaction message assembling process, and the like as separate tasks.

As will be described later, the HOST 2 performs a predetermined process and transmits a transaction result message to the automatic transaction device 1 via the terminal control device 3, so that the automatic transaction device 1 transmits this message via the communication control unit 104. Receive (step S30
5). Based on the contents of this electronic message, the processor 101 determines whether or not the transaction has been established (step S30).
6). When it is determined that the condition is satisfied, it is confirmed that the customer can pay cash at this point.
01 waits until the cash counting unit 111a notifies that the cash counting is completed and the discharge preparation is completed (step S21).
Move to 0.

If it is determined in step S306 that the transaction has not been established, the cash counting operation has already started, and therefore, the cash counting section 111a waits for a count completion notification (step S307). After that, the processor 101
Does not discharge the cash counted by the cash counting unit 111a, but instead issues an instruction to take the cash into a collection box or the like (not shown). Therefore, the cash processing unit 111 collects the cash in the collection box or the like. Capture (step S308). After that, in step S212, an instruction to write 0 as a discrimination code is created and set in the memory 102 (step S309), and then the process proceeds to step S215 to notify the customer of the transaction failure.

After step S402, the discrimination code is 2
This is the processing in the case of. This process is basically a HOST
Without confirming the transaction establishment in 2, the processing is performed assuming the transaction establishment. The transaction details will be transmitted to HOST2 later, and the balance will be updated at this point. It is determined whether or not the personal identification number input in step S202 and the personal identification number recorded on the magnetic card read in step S201 match (step S402). If necessary, input the correct PIN code and correct it multiple times. If this does not match, create a message and display instruction information indicating that the PIN code is different, and then write 0 as the discrimination code to the magnetic card. Is created and set in the memory 102 (step S406), the process proceeds to step S215.

If it is determined that the personal identification numbers match, it is determined whether the entered amount is within the limit amount (1) recorded on the magnetic card (step S40).
3). The purpose of setting this limit is the risk that the financial institution bears because the transaction is processed as a successful transaction despite the fact that the transaction has not been completed, that is, in some cases, the financial institution cannot collect the money paid to the customer and bears it. It is to set the limit of the amount of money that can be endured.

When it is determined that the amount is within the limit (1), it is assumed that the transaction has been completed, and the cash counting unit 111a is instructed to start counting the cash corresponding to the amount input in step S203 (step S404). After that, the transaction contents are stored in the DK 106 for later transmission to the HOST2, for evidence of transaction occurrence, for audit correspondence, etc. (step S405), and the process proceeds to step S210.

When it is determined that the limit (1) is exceeded,
Since the same processing as when the discrimination code is 1 is performed, the process proceeds to step S302. Note that the process may proceed to step S205 so as to perform the same process as when the discrimination code is 0.

Since the customer always makes a payment transaction within the limit amount (1), HOS is set at the time of the transaction.
In order to prevent the communication code from being communicated with T2 and therefore the opportunity to rewrite the discrimination code in the magnetic card disappeared, for example, the transaction number is recorded on the magnetic card, and the discrimination code is set to 1 for each predetermined transaction number. It is configured to perform the same processing as in the case of.

After step S407, the discrimination code is 3
This is the processing in the case of. This process is also basically HOST
Without confirming the transaction establishment in 2, the processing is performed assuming the transaction establishment. Regarding the transaction content, when the total payment amount reaches a certain limit amount, it is transmitted to HOST2, and the balance is updated at this time.

It is determined whether the personal identification number input in step S202 and the personal identification number recorded in the magnetic card read in step S201 match (step S408). If necessary, enter the correct PIN code several times.
After the wording indicating that the personal identification number is different and the display instruction information are created, an instruction to write 0 as a discrimination code to the magnetic card is created and set in the memory 102 (step S40).
6) and moves to step S215.

When it is determined that the personal identification numbers match, the total amount of the input amount of money in step S203 and the total amount of money recorded in the magnetic card is calculated and stored in the memory 102 (step S409). It is determined whether or not the amount is within the limit amount (2) recorded on the magnetic card (step S410). When it is determined that the total amount is within the limit amount (2), an instruction to write the above-mentioned total amount as the accumulated amount is created in step S212 and set in the memory 102 (step S411).
The process proceeds to step S404 to start counting cash corresponding to the amount input in.

When it is judged that the limit (2) is exceeded,
In step S212, an instruction to write the initial value as the accumulated amount is created and set in the memory 102 (step S41).
2) Since the same processing as in the case of the discrimination code 1 is performed, the process proceeds to step S302.

The limit amount (2) (the same applies to the limit amount (1)) is written in, for example, a magnetic card provided to the customer when opening an account. At a later time, the limit amount may be changed as appropriate in consideration of the transaction status of the customer thereafter. Further, these limit amounts may be held in the automatic transaction device 1 or the HOST 2 instead of being held in the magnetic card.

Next, FIG. 9 will be described. If the discrimination code is 2 or 3, this processing is performed by DK10 in step S405.
6 is a process of transmitting the transaction content stored in 6 to HOST2. The processor 101 detects that the timer 112 has reached a predetermined time such as a predetermined time after work, or that the operator has pressed a predetermined key provided on the input unit 107. (Step S501). As a result, the processor 101
Extracts the transaction content stored in the DK 106 in step S405 (step 502), assembles it into a post power transmission statement (not shown) (step S503), and transmits it to HOST2 (step S504).

After this, the power transmission statement may be assembled for each transaction unit, or a plurality of transaction contents may be assembled together. Also, the transmission timing of the post-transmission sentence is not limited to after work, but H
It may be a time period when the amount of communication with the OST 2 is small, and is not limited thereto. Also, the transmission timing may be changed according to the discrimination code. For example, in the case where the discrimination code is 2, it can be generally judged that there is a high possibility that the transaction will be unsuccessful as compared with the case where the discrimination code is 2. The transaction may be performed earlier and more frequently than the transaction content (for example, when the transaction has been completed and the transaction has not occurred for a certain period of time, the transaction is transmitted).

Next, FIGS. 10 and 11 will be described. This process is a process performed in HOST2 based on the information when the customer performs a cash payment transaction operation in automatic transaction device 1. As described above, step S206 shown in FIG. 6, step S304 shown in FIG. 7, and step S5 shown in FIG.
At 04, the automated teller machine 1 conducts HO via the terminal control device 3.
Since the message is transmitted to ST2, the processor 201 receives this message via the communication control unit 203 (step S601). Since the message type is set in this message, this is determined. First, it is determined whether it is a transaction message (step S602). If it is determined that the message is a transaction message, the process proceeds to step S603. If it is determined that the message is not a transaction message, it is determined that the message is a subsequent message and the process proceeds to step S701.

In step S603, the account number set in the transaction telegram is taken out and the balance file stored in advance in the DK 205 is searched using this account number as a search key. That is, the account numbers in the balance file are sequentially taken out, and the balance file data of the customer having the matching account number is searched and specified (step S60).
3). As a result of the search, if the above-mentioned account number does not exist in the balance file, it is determined that an account designation error has occurred, and processing not shown is performed. If the account number is in the balance file, the balance corresponding to the account number is taken out (step S60
4) Compare with the amount of money set in the electronic message to determine whether payment is possible, that is, whether the amount of money is within the balance (step S605). In this description, the balance means not only the original deposit balance but also an amount that can be paid to the customer, for example, an amount obtained by adding an overdraftable amount.

If it is determined that the balance is within the balance, step S6
Move to 06. When it is determined that the balance is not within the balance, information indicating that the transaction is not established and an instruction to write 0 as a discrimination code are set in the memory 202 (step S612,
Then, the process proceeds to step S613) and step S609.

In step S606, the balance file is updated with the amount obtained by subtracting the amount set in the message from the balance as a new balance (step S606). When the discrimination code set in the telegram is 3, it is assumed that the transaction is the one before the balance is already updated at the step when the subsequent power transmission statement is received, although the balance is already updated. In order to prevent the establishment status of the transaction from being determined based on the temporary balance in step S712, the temporary balance is set to a state where it is not stored. After updating the balance file, the memory 2
02 is set (step S607). Next, the process of setting the discrimination code write instruction in the memory 202 is performed (step S608). The details of this processing are shown in FIG. 12, and the description will be given later.

In step S609, the memory 20
The number of consecutive transactions is updated based on the information on whether the transaction is successful or unsuccessful, which is stored in 2, and the date and time, the account number, the amount of money, and other necessary transaction history information are stored in the DK 205 based on the received electronic message or the like. (Step S609).
After that, a transaction result message is assembled based on the transaction successful / unsuccessful information, the discrimination code writing instruction information, etc. stored in the memory 202 (step S610), and the automatic transaction is performed via the communication control unit 203 and the terminal control device 3. The data is transmitted to the device 1 (step S611), and the process ends.

The discrimination code is not transmitted to the automatic transaction device 1, but is stored in, for example, a balance file,
The automatic transaction device 1 requires a discrimination code, etc. (eg, step S204 in FIG. 6 or step S204).
It may be configured to request the HOST 2 as a substitute for the magnetic card reading in 201 or in parallel with the reading).

After step S701, the subsequent power transmission statement processing is performed. In step S701, it is determined whether the discrimination code in the electronic message is 2 (step S701).
If it is determined that the discrimination code is 2, step S702
Move to. If it is determined not to be 2, it is further determined whether or not the discrimination code is 3 (step S709). If it is determined that the discrimination code is 3, the process proceeds to step S710. If it is determined that the discrimination code is not 3, it is regarded as an error and a process not shown is performed.

In step S702, step S
Similar to 603, using the account number as the search key, the DK20
Based on the account number in the balance file previously stored in 5, the balance file data of the customer having the matching account number is searched and specified (step S702). Then, the balance is taken out from the specified balance file data (step S703) and compared with the amount of money set in the electronic message to determine whether payment is possible, that is, whether the amount of money is within the balance (step S704). .

If it is determined that the balance is not within the balance, step S7
Move to 07. If it is determined that the balance is within the balance, information indicating that the transaction is completed is stored in the memory 202, and the balance file is updated with the amount obtained by subtracting the amount set in the message from the balance as a new balance (step S705). . After that, the number of consecutive transactions completed is updated based on the information on whether the transactions are successful or unsuccessful stored in the memory 202 or the DK 205, and the date and time, the account number, the amount of money, and other necessary transaction history information are updated based on the received electronic message or the like. The data is stored in the DK 205 (step S706), and the process ends.

In step S707, the fact that the transaction is unsuccessful and information relating to the transaction required in the later stage are stored in the DK 205, for example, in order to request payment refund to the customer in the later stage or audit, etc. (step S707). Printing is performed by the printing unit (not shown) of the terminal device 5 via the terminal control unit 208 in order to notify the person in charge of the financial institution of the fact that the transaction has not been established and information regarding the transaction such as the account number and the payment amount (step S708). Then, the process proceeds to step S706.

In step S710, step S
Similar to 603, using the account number as the search key, the DK20
Based on the account number in the balance file stored in advance in 5, the balance file data of the customer having the matching account number is searched and specified (step S710). Then, the temporary balance stored in this file data is taken out. If there is no temporary balance, the balance itself is stored as a temporary balance, and this balance is set as a temporary balance (step S
711). The temporary balance is set at the time of the transaction with the discrimination code of 3 in step S606.

Next, it is determined whether the amount of money is within the temporary balance (step S712). If it is within the tentative balance, the amount of the tentative balance is subtracted from the tentative balance, the tentative balance is stored in the DK 205 as a new tentative balance, and the process proceeds to step S706. If it is not within the tentative balance, the transaction is unsuccessful, and the process proceeds to step S707.

The transaction result and the discrimination code may be transmitted to the automatic transaction apparatus 1 not only when the discrimination code is 1 or 2, but also when the discrimination code is 3 or 4. When the automatic transaction device 1 receives these pieces of information, the automatic transaction device 1 may store them in the DK 106 or the like so that they can be used at a later transaction.

FIG. 12 shows details of the discrimination code setting process in step S608 shown in FIG. First, it is determined whether the discrimination code is 0 (step S80).
1). If it is determined to be 0, it is determined based on the number of consecutive establishments set in the file data whether or not the transactions are consecutively established for the predetermined number of times (step S802), and it is established. If it is determined that the determination code is present, an instruction to write the determination code as 1 is set in the memory 202 (step S803), and the process ends.

If it is determined that the condition has not been established, the number of times of continuous establishment in the above-mentioned file data is set to an initial value (step S804), and an instruction to write the discrimination code as 0 is set in the memory 202 (step S805). The process ends.

When it is judged that the discrimination code is not 0, it is judged whether or not it is 1 (step S806). If it is determined to be 1, it is determined whether or not transactions have been established consecutively a predetermined number of times (step S80).
7) If not established, the process proceeds to step S804.
If it is determined that the condition is satisfied, it is determined whether the balance in the file data exceeds a predetermined amount (step S80).
8) If it is determined that it does not exceed, the process proceeds to step S804. If it is determined that the number of customers is over, it is determined whether or not the customer is a special customer based on the customer attribute information in the file data (step S809). Here, the special customer is, for example, a customer who is listed on the black list and satisfies a certain standard. If it is determined that the customer is not a special customer, the instruction to write the discrimination code as 2 is given to the memory 2
02 (step S810), and the process ends. If it is determined that the customer is a special customer, the process proceeds to step S804.

If it is determined in step S806 that the discrimination code is not 1, it is determined that the discrimination code is 2 and the processing is performed. First, it is determined whether or not transactions have been established consecutively a predetermined number of times (step 81).
1) If it is determined that the condition is not satisfied, the process proceeds to step S804. If it is determined that the balance is satisfied, it is determined whether or not the balance exceeds a predetermined amount (step S812). If it is determined that the balance is not exceeded, the process proceeds to step S804.
When it is determined that the transaction frequency is exceeded, it is determined whether the transaction frequency is within the predetermined period based on the transaction history information in the file data (step S813).

If it is determined that the operation has not been performed, step S8
Move to 04. If it is determined that the payment has been made, it is determined based on the transaction history information in the file data whether the amount of payment for each transaction is within a predetermined amount (step S8).
14). If it is determined that the amount is not within the predetermined amount, step S
Move to 804. If it is determined that the amount is within the predetermined amount, it is determined whether or not the customer is a special customer as in step S809 (step S815). If it is determined that the customer is not a special customer, an instruction to write the discrimination code as 3 is issued to the memory 2
02 (step S816), and the process ends.
If it is determined that the customer is a special customer, the process proceeds to step S804.

Regarding the above-mentioned predetermined number of consecutive establishments, the predetermined amount of the balance, the special customer, the transaction frequency and the amount of money every time, a specific value is determined in advance at the time of designing, or is input from the input section at a predetermined time. Memory 202 and DK2 in advance
It is stored in 05. The present invention is not limited to this, and may be configured to generate the above-mentioned information based on the transaction history information of the customer or other customers at the time when the above-mentioned information is required, such as at the time of determination. The above-mentioned information may be set to a uniform value for each customer, or may be changed for each customer in consideration of customer attributes, transaction history information and the like.

The viewpoints for setting the above information are as follows. It should be noted that the same thing can be said for each piece of information, as the larger the value of the discrimination code is, the more favorable the customer is, for example, the transaction is considered to be successful at the time of transaction. To do so.

Number of times of continuous establishment: Generally, the larger the value of the discrimination code, the larger the number of times to be satisfied is set.

Predetermined amount of balance: Generally, the larger the value of the discrimination code is, the larger the amount to be satisfied is set. If the value is small, there is a high possibility that the amount paid at the time of transaction will exceed the value, so it should be set in consideration of the amount that financial institutions can bear the risk.

Special customer: In the present embodiment, this is a customer who is not suitable for applying the preferential treatment, such as a customer who is listed on the blacklist. Note that when the discrimination code is set to 1, there is no risk for the financial institution to pay cash in excess of the balance, so the criteria may be relaxed in comparison with the case of setting a larger value. In the present embodiment, the special customer is selected as an unfavorable customer, and the processing is performed so as to be excluded. However, on the contrary, the preferred customer (for example, having a large time deposit account in addition to the payment transaction related account) is selected. May be configured to be actively selected based on customer information, transaction history information, and other information held as a system.

Transaction frequency: Since the original balance is updated when the limit amount (2) is exceeded, it is set by predicting when the limit amount will be reached. It may take a long time for customers who do not have much transactions to reach the limit, so it is set in consideration of the risk-bearing period of financial institutions. The longest period or average period between transactions may be calculated and set based on the transaction history information of the customer or another customer.

Amount of money every time; the original balance is updated only when the limit amount (2) is exceeded. Therefore, the number of transactions reaching the limit amount is predicted and set. A customer with a large transaction amount reaches the limit in a small number of times and there is not much effect to set the discrimination code 3, and on the contrary, a customer with a small transaction amount may take a long time. And the period during which risk can be taken into consideration. It may be determined in consideration of the balance with the limit amount (2) and each value of the above-mentioned transaction frequency.

In the above embodiment, the balance file is described as being stored in HOST2. But D
Depending on the capacity of the K205 or the contents of the file information, not only the HOST2 but also the terminal control device 3 (and, if necessary, the automatic transaction device 1 etc.) may be shared so that each may have all or part of the balance file. In some cases it may be advantageous to configure Even with such a configuration, the above-described processing can be applied with a slight modification. For example, the process of identifying the balance file in step S710 will be described below. That is, when the file is present in the terminal control device 3, when the terminal control device 3 receives the post-power transmission statement, the terminal control device 3 itself does not send it to the HOST 2 and stores it in a DK (not shown) based on this message. Search and identify the balance file you are using. If it is determined that the terminal control device 3 does not exist as a result of the search, further HO
It may be configured to be transmitted as a post-power transmission statement to ST2.

The application of the present invention is not limited to the transactions and systems described above. That is, it is applicable not only to cash payment transactions in financial institutions, but also to medium issuing systems such as commuter tickets and airline tickets in travel services, and database search result information providing systems. In these systems, the medium such as the commuter pass and the search result information correspond to the cash in the above-mentioned embodiment.

[0080]

As described above in detail, according to the present invention, the following effects can be expected. That is, when performing a predetermined transaction based on the transaction information input from the terminal device, information regarding the transaction is stored in advance in the storage means, the credit information is generated based on this information, and the credit information is generated in accordance with the predetermined standard. Either one of the first processing category and the second processing category is selected. When the selection result is the first processing category, the terminal device transmits the input transaction information to the upper station, and outputs the object when receiving the information indicating that the transaction has been established from the upper station. On the other hand, when the selection result is the second processing category, the terminal device outputs the object based on this information before transmitting the transaction information to the upper station, and then transmits the transaction information to the upper station.
Further, the higher-level station processes the transaction result based on the transaction information transmitted from the terminal device, creates information on a new transaction, and stores it in the storage means.

Therefore, the first processing category or the second processing category is determined according to the creditworthiness of the customer based on the transaction information such as transaction history.
The processing category is selected, and in the case of the first processing category, the target object is output when the transaction establishment confirmation is made by the host station, and in the case of the second processing category, before the transaction establishment confirmation by the host station. Output the target to. When the second processing category is selected, communication is not performed with the higher-ranking station when the customer makes a transaction, so that the time for completing the transaction is shortened for the customer and the service for the customer is improved for the financial institution and the like. In addition to being able to effectively use automatic transaction equipment, it is possible to reduce the number of installations and reduce costs. Moreover, since the creditworthiness of the customer is taken into consideration when selecting the second processing category, it is possible to reduce the possibility that the transaction will not be completed, and therefore the risk burden of the financial institution and the like is reduced.

When the above-mentioned first processing category is selected, either one of the third processing category or the fourth processing category is further selected according to a predetermined criterion based on the credit information. When the selection result is the third processing category, the terminal device transmits the transaction information to the higher-level station, and when receiving the information indicating that the transaction has been established from the higher-level station, the output preparation operation of the target object is started, and the output preparation operation. Output the target after completion. On the other hand, when the selection result is the fourth processing category, the terminal device starts the output preparation operation of the target object based on the transaction information before transmitting the transaction information to the upper station, and then in parallel with the output preparation operation. When the transaction information is transmitted to the upper station and the information indicating that the transaction is established is received from the upper station, the target object is output after the output preparation is completed.

Therefore, when the fourth processing division is selected, the output preparation operation is performed in parallel with the communication with the upper station. Therefore, in addition to the above-mentioned effect, the customer can wait until the transaction is completed. Shortened. Moreover, when selecting the fourth processing category, since the creditworthiness of the customer is taken into consideration, the possibility that a transaction will not be established can be reduced, and the actions and procedures at the time of transaction establishment can be reduced, so that the number of transactions within a certain time can be reduced. Expect an increase. In addition, when the third processing category and the fourth processing category are selected, the target object is provided to the customer after confirmation of the successful transaction. Therefore, the target object is provided to the customer despite the failure of the transaction. There is no risk of this happening.

Further, in the terminal device, the process classification information is acquired and judged. When it is determined to be the first processing category, the following processing is performed. That is, the transaction information is transmitted to the upper station and the result is received. After that, if the transaction result information is included in the reception result, the object is output. Further, if the reception result includes the processing classification information, it is stored in a predetermined mode so that it can be acquired later. On the other hand, if it is determined to be the second processing category, the following processing is performed. That is, the target object is output based on this transaction information before transmitting the transaction information to the upper station. Then, the transaction information is transmitted to the upper station. Further, the higher-level station receives the transmitted transaction information, creates transaction-related information, and stores it in the transaction-related information storage means. In addition, when the transaction is completed by the transaction processing, transaction establishment information indicating that the transaction is established is created, and credit degree information is extracted based on the information related to the transaction and new processing classification information is created based on a predetermined standard. To do. Then, the transaction establishment information and the processing classification information are transmitted to the terminal device.

Therefore, the upper station manages information on transactions such as transaction history, extracts credit information, and creates processing classification information. On the other hand, in the terminal device, the processing category information is judged, and in the case of the first processing category, the object is output when the transaction establishment confirmation is made by the higher-ranking station, and in the case of the second processing category, the higher order The target is output before the transaction confirmation is confirmed by the station. In the second processing category, since communication is not performed with the higher-ranking station when the customer makes a transaction, the time required for the customer to complete the transaction can be shortened, and the financial institution can improve the service to the customer. At the same time, it is possible to effectively use automatic transaction equipment, etc., and it is possible to reduce the number of installed units and reduce costs. Further, in the case of the second processing category, since the creditworthiness of the customer is taken into consideration, it is possible to reduce the possibility that the transaction will not be completed, and therefore the risk burden of the financial institution etc. is reduced. Further, since the management of the information on the transaction and the processing of the credit information and the processing classification information are performed by the upper station, the storage capacity of the terminal device is small, and the price of the terminal device and the entire system can be reduced.

Further, in the terminal device, before the transaction information is transmitted to the upper station, the output preparation processing of the target object is performed based on the transaction information. In addition, in parallel with the output preparation process described above, the transaction information described above is transmitted to the higher-level station and the transaction result information is received from the higher-level station. Then, when it is determined that the output preparation process is completed, the following process is performed. That is, the target is output when the transaction result information includes the transaction completion information, and the output of the target is stopped when the transaction result information includes the transaction failure information.

Therefore, since the output preparation operation is performed in parallel with the communication with the upper station, the time required for the customer to complete the transaction can be shortened, and the financial institution can improve the service to the customer. In addition to being able to do so, it is possible to effectively use automatic transaction equipment, etc., and it is possible to reduce the number of installations and reduce costs. When the transaction is unsuccessful, the output of the target object is stopped, so that there is no risk of providing the target object to the customer despite the transaction failure.

[Brief description of drawings]

FIG. 1 is a conceptual diagram of the present invention.

FIG. 2 is an example of a system configuration.

FIG. 3 is a hardware configuration diagram of an automatic transaction device.

FIG. 4 is a hardware configuration diagram of a host computer.

FIG. 5 is a flowchart of a processing outline.

FIG. 6 is a flowchart (part 1) of processing in the automatic transaction device.

FIG. 7 is a flowchart (part 2) of processing in the automatic transaction device.

FIG. 8 is a flowchart (No. 3) of processing in the automatic transaction device.

FIG. 9 is a flowchart of post-delivery processing.

FIG. 10 is a flowchart (part 1) of processing in the host computer.

FIG. 11 is a flowchart (part 2) of the processing in the host computer.

FIG. 12 is a flowchart of a discrimination code setting process.

FIG. 13 is an example of information in a magnetic card.

FIG. 14 is an example of information in a balance file.

[Explanation of symbols]

 1 automatic transaction device 2 host computer (HOST) 101, 201 processor 102, 202 memory 104, 203 communication control unit 106, 205 disk (DK) 107, 206 input unit 108, 207 display unit 109 printing unit 110 magnetic card reading / writing Part 111 Cash processing part 111a Cash counting part 111b Cash discharging part 112, 209 Timer

Claims (4)

[Claims] 1. A higher-level station and a terminal device connected to the higher-level station exist, and a predetermined transaction is performed based on transaction information including information about the operator input by the operator from the terminal device, and a transaction is performed. In a transaction processing method in which a predetermined object is output from the terminal device when the transaction is successful, and a higher order station performs processing on the transaction success result, information on the transaction is stored in advance in the storage means, and the transaction is performed. Generate credit information about the operator based on the information, according to a predetermined standard based on the generated credit information,
When either one of the first processing division or the second processing division is selected and the first processing division is selected, the terminal device transmits the transaction information to the upper station,
When the information indicating the establishment of the transaction is received from the upper station, the object is output, and when the second processing section is selected, the terminal device is configured to transmit the transaction information to the upper station before the transaction. After outputting the target object based on the transaction information, the transaction information is transmitted to the upper station, and the upper station processes the transaction establishment result based on the transaction information transmitted from the terminal device. A transaction processing method, wherein the transaction information is newly created based on the transaction information and stored in the storage means. 2. When the first processing section is selected,
According to a predetermined standard based on the generated credit information,
When either one of the third processing division or the fourth processing division is further selected and the third processing division is selected, the terminal device transmits the transaction information to the upper station,
When the information indicating the establishment of the transaction is received from the upper station, the output preparation operation of the target object is started, the target object is output after the completion of the output preparation operation, and the fourth processing section is selected, The terminal device starts an output preparation operation of the target object based on the transaction information before transmitting the transaction information to the upper station, and then transmits the transaction information to the higher station in parallel with the output preparation operation. 2. The transaction processing method according to claim 1, further comprising outputting the object after the output preparation is completed when the information indicating that the transaction is completed is received from the upper station. 3. A higher-level station and a terminal device connected to the higher-level station are present, and a predetermined transaction is carried out based on transaction information including information about the operator inputted by the operator from the terminal device. In a transaction processing device in which a predetermined object is output from the terminal device in the case of establishment, and a higher-level station performs processing on a transaction establishment result, the terminal device acquires processing division information based on the transaction information. Processing division information acquisition means, determination means for determining the processing division information acquired by the processing division information acquisition means, and if the determination processing means determines that the processing division information is the first processing division, the transaction First terminal device information transmitting means for transmitting information to the upper station, upper station information receiving means for receiving information from the upper station, and information received by the upper station information receiving means First object output means for outputting the object when the transaction establishment information is included in the information, and the processing classification created by the processing classification information creating means in the information received by the upper station information receiving means. When the information is included, the processing division information storing unit stores the processing division information in a predetermined mode so that the processing division information acquiring unit acquires the processing division information by the second processing unit. When it is determined that the transaction is the processing category, a second object output unit that outputs the object based on the transaction information before transmitting the transaction information to the upper station, and the transaction information to the upper station. A second terminal device information transmitting means for transmitting to the terminal device information transmitting means for transmitting the transaction information transmitted from the terminal device, and a new terminal based on the transaction information. Transaction-related information creation means for creating information on transactions, transaction-related information storage means for storing information on the transactions, and information on the transactions created by the transaction-related information creation means in the transaction-related information storage means. A transaction-related information storage unit, a transaction-establishment information creating unit that creates transaction-establishment information indicating that the transaction has been established when the transaction is completed by the transaction processing, and at least the transaction stored in the transaction-related information storage unit. Based on the information, the credit information extracting means for extracting the credit information about the operator, based on the extracted credit information and a predetermined standard,
The processing division information creating means for creating new processing division information, the transaction establishment information created by the transaction establishment information creating means, and the processing division information created by the processing division information creating means are transmitted to the terminal device. A transaction processing apparatus comprising: upper station information transmitting means. 4. A transaction is connected to an upper station that performs transaction processing and processing relating to the establishment or non-establishment of the transaction, and communication is performed with the upper station based on the transaction information input by the operator. In a transaction processing device that outputs a target object, before transmitting the transaction information to the higher-ranking station, an output preparation processing unit that performs an output preparation process of the target object based on the transaction information, and in parallel with the output preparation process. Then, transmitting / receiving means for transmitting the transaction information to the upper station and receiving transaction result information from the upper station, and output preparation end determining means for determining whether or not the output preparation processing by the output preparation processing means is completed And when the output preparation completion determining unit determines that the output preparation is completed, the transaction result information received by the transmitting / receiving unit includes transaction establishment information. Object output means for outputting the object when the transaction result information received by the transmitting / receiving means includes transaction failure information, and object output stopping means for canceling the output of the object when the transaction result information is included in the transaction result information. A transaction processing device comprising: