JPH07334587A - Transaction information processor of electronic bankbook - Google Patents

Abstract

PURPOSE:To provide a transaction information processor of electronic bankbood whereby transaction information required by a customer is retrieved in a short time from a transaction history written in the electronic bankbook. CONSTITUTION:The electronic bankbook is inserted(S61) into a transaction information processor(ATM), an inquiry mode is selected(S63 and S70) from its touch panel and also a period to be inquired is inputted(S65-S67 and S71). Then, only the transaction history corresponding to a transaction kind corresponding to the selected collation mode within an inputted period is selectively read(S68) from the transaction histories recorded in the electronic bankbook so as to be displayed or printed(S69) in a screen. At this time, the transaction kind which is made into a sign and also added in the transaction history read from the electronic bankbook is converted into character notation by a conversion table inside ATM so as to displayed or printed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention generally relates to a transaction information processing apparatus for electronic passbooks, and more particularly, to write and analyze transaction information for electronic passbooks used as passbooks for various deposit accounts in financial institutions such as banks. The present invention relates to an apparatus that executes processing such as display, printing and the like.

[0002]

2. Description of the Related Art Conventionally, as a transaction information processing method of this kind of electronic passbook, for example, a method disclosed in Japanese Patent Publication No. 5-11349 is known. In this method, the electronic passbook is an automatic cash accounting device (hereinafter referred to as "an aut
It is set to the abbreviation "ATM" of "omatic teller machine"), and when a command for a specific transaction (for example, deposit, withdrawal, withdrawal, automatic transfer, etc.) is entered from the ATM console, the transaction command is entered. Based on this, a transaction by an online service is executed, and the history of the executed transaction is written from the ATM to an electronic passbook.The storage area of the transaction history of the electronic passbook usually cannot be rewritten. Therefore, the transaction history is stored in the electronic passbook in chronological order in the order of execution date and time.

[0003]

By the way, in the conventional transaction information processing method, past transaction history stored in time series in an electronic passbook is displayed on an ATM display or printed out on a printing paper. However, even in that case, the display or the printing is also performed in time series. Therefore, when selecting the specific transaction information required by the customer from the transaction history in the electronic passbook (for example, when wanting to see only the automatic withdrawal information for a specific period, etc.), a vast array of time series From the transaction history, the customer specifies the range that is likely to contain the necessary information and displays or prints the range, and from the displayed or printed range, see the transaction type symbol, etc. It is necessary to classify the information and pick up necessary transaction information, which requires a lot of time.

Further, even if the customer desires to read and print the transaction history written in the electronic passbook during the transaction by the online service at the ATM, the transaction cannot be performed in parallel with the online transaction processing. Besides, there is also a problem that the total processing time becomes long because it is necessary to make another inquiry.

Further, the transaction history is classified into fine types in the bank host computer, symbolized and recorded in the electronic passbook. When the customer classifies the transaction history displayed or printed as described above, It is difficult for ordinary customers to recognize the transaction type from the symbol.

Therefore, a first object of the present invention is to provide a transaction information processing apparatus for an electronic passbook capable of retrieving a history of a transaction type desired by a customer from a transaction history written in the electronic passbook in a short time. To provide.

A second object of the present invention is to provide a transaction information processing apparatus for an electronic passbook, which can search a transaction history written in the electronic passbook in parallel with online transactions.

A third object of the present invention is to provide an electronic passbook transaction information processing device which can provide the customer with the transaction type written in the electronic passbook in a detailed and easy-to-understand form.

Further, a fourth object of the present invention is to provide an electronic passbook transaction information processing apparatus which can utilize a transaction history written in the electronic passbook to provide a customer with information useful for fund management. is there.

[0010]

A transaction information processing apparatus according to the present invention corresponds to a type selecting means for selecting one or more transaction types desired by a customer and a transaction type selected by the type selecting means. A history inquiry means for selectively reading out only the transaction history from the electronic passbook based on the symbolized transaction type in the electronic passbook, and an inquiry result providing for providing the customer with the transaction history read out by the history inquiry means And means.

This transaction information processing apparatus can be further provided with a symbol / character conversion means for converting the symbolized transaction type in the transaction history read from the electronic passbook into a character notation. In that case, the transaction type is provided to the customer in this character notation.

Further, the transaction information processing apparatus is further provided with means for connecting to a bank host computer to conduct online transactions so that both the online transaction means and the history inquiry means operate in parallel. You can also

Further, the transaction information processing apparatus may be provided with a means for obtaining a change over time of the balance amount based on transaction history recorded in an electronic passbook and a means for performing a fund analysis.

[0014]

The transaction information processing apparatus of the present invention selectively selects only the transaction history corresponding to the transaction type selected by the customer, using the symbolized transaction type in the transaction history recorded in the electronic passbook as a clue. Read from electronic passbook and provide to customers.
Therefore, the customer can obtain only the desired transaction information from the huge transaction history.

Further, when the symbol / character conversion means is further provided, the symbolized transaction type in the read transaction history is converted into a character notation and provided to the customer. Therefore, the customer can easily recognize the type of the transaction history provided, and even if all the transaction types are provided, the classification is easy.

If an online transaction means is further provided so that the online transaction means and the history inquiry means can operate in parallel, the transaction history can be inquired during the online transaction. The time burden of is reduced.

Further, when a means for obtaining a balance transition and a means for analyzing funds are further provided, not only the transaction history read from the electronic passbook is provided as it is, but also the transaction history is processed so as to be useful for fund management and the customer Can be provided to.

[0018]

Embodiments of the present invention will now be described in detail with reference to the drawings.

FIG. 1 shows a memory map of an optical storage unit included in an electronic passbook according to an embodiment of the present invention.

This electronic passbook is an IC / optical hybrid card and is a write-once, non-rewritable, write-once optical storage unit (hereinafter referred to as "optical storage unit") for storing transaction history. Equipped with.

As shown in FIG. 1, in the transaction history area of the optical storage unit 1, date 3, time 5, bank code 7, branch code 9, subject code 11, service type 1 are set for each transaction.
3, automatic transfer type 15, processing amount 17, balance amount 19,
A transaction history including items such as the error correction code 21 is written. This transaction history is recorded in order of the date and time when the transaction was executed.

Here, the service type 13 and the automatic transfer type 15 (hereinafter collectively referred to as “transaction type”) are finely classified and symbolized by the bank host computer as shown in FIG. Remembered in.

FIG. 3 is a system configuration diagram showing the relationship between an electronic passbook transaction information processing apparatus and a bank host computer according to an embodiment of the present invention.

In FIG. 3, the transaction information processing device 51 is
Specifically, it is an ATM and the terminal controller 49
Via a private line to the bank host computer 47.

The transaction information processing apparatus 51 has a function of inquiring transaction history from an electronic passbook, in addition to the conventional ATM function,
It has a fund analysis function based on the inquired transaction history. The transaction history inquiry result and the cash analysis result can be displayed on the display or printed out. At that time, in order to describe the transaction type in characters, the symbol / character conversion table 50 for converting the symbol of the subdivided transaction type shown in FIG. 2 into the character notation is provided.

In response to a request from the transaction information processing device 51, the bank host computer 47 executes bank transactions such as deposit, withdrawal, and transfer of deposits, and records the history of the executed transactions in the transaction information processing device 51. And the requested past transaction history to the transaction information processing device 51. Whenever the host computer 47 executes a transaction with the transaction information processing device 51 online, the transaction information processing device 51 is transferred from the host computer 47 each time.
The transaction history is sent to and written in the electronic passbook.

The terminal controller 49 functions as a communication interface between the host computer 47 and the transaction information processing apparatus 51. The terminal controller 49 also has a symbol / character conversion table 48. This symbol / character conversion table 48 is mainly used to convert the symbol of the transaction type into characters in the transaction history sent from the host computer 47 to the transaction information processing device 51 for entry into a conventional paper deposit passbook. Since the transaction history cannot be written in characters on the paper passbook in a fine classification as shown in FIG. 2, and can be written only in a rougher classification, this table 48 is a table of the transaction information processing device 51. By comparison, the typographical classification is rough.

FIG. 4 is a block diagram showing the internal structure of the transaction information processing apparatus 51.

As shown in FIG. 4, the transaction information processing device 51.
Includes a communication mechanism 31, a cash deposit / withdrawal mechanism 33, a printer mechanism 35, a touch panel (input mechanism) 37, a customer display 39, an electronic passbook read / write mechanism 41, a transaction data work memory 43, and an arithmetic processing unit 45.

The communication mechanism 31 communicates with the terminal controller 49 on the basis of a predetermined protocol under the control of the arithmetic processing unit 45 so as to communicate with the bank host computer 4.
7 is directly connected (online) to exchange various data necessary for online processing with the bank host computer 47, and performs communication control operations such as releasing online after the online processing is completed.

The touch panel 37 is formed integrally with the display 39, and the customer can enter a transaction execution command, information necessary to execute the transaction, a transaction history inquiry command, an inquiry method, etc. on the input screen provided by the display 39. It is for inputting.

The display 39 provides the customer with an input screen using the touch panel 37 and a display screen for displaying transaction execution results, transaction history inquiry results, fund analysis results, and the like.

The printer mechanism 35 prints a transaction history inquiry result and a fund analysis result on a sheet.

The electronic passbook read / write mechanism 41 is set with an electronic passbook and writes the transaction history sent from the host computer 47 into the electronic passbook or reads out the transaction history stored in the electronic passbook. The write and read operations to and from are performed under the control of the arithmetic processing unit 45.

The cash depositing / dispensing mechanism 33 performs an operation of receiving and delivering cash from a customer under the control of the arithmetic processing unit 45 when executing a transaction involving cash payment.

The arithmetic processing unit 45 is a programmed microprocessor, which is connected to the above-mentioned respective units,
It is for performing information processing necessary for executing online transactions, inquiring transaction history, analyzing funds, etc., and controlling the above-mentioned parts.

The transaction data work memory 43 is a work memory used by the arithmetic processing unit 45, and the transaction contents input from the touch panel 37 at the time of online transaction, the transaction history sent from the bank host computer 47, and read from the electronic passbook. The transaction history, the result of fund analysis, etc. are temporarily stored. Further, the transaction data work memory 43 further stores the symbol / character conversion table 50 shown in FIG. 2 and a difference / advice message conversion table described later.

FIG. 5 shows a flow of transaction history inquiry processing performed by the transaction information processing apparatus 51 under the above configuration.

As shown in FIG. 5, the transaction information processing device 51.
First confirms that the electronic passbook is inserted into the read / write mechanism 41 (step S61), and then the correct personal identification number is input from the touch panel 37 (step S62), and then the inquiry mode selection process is started. (Step S63).

In this inquiry mode selection process, an inquiry mode selection menu is displayed on the display 39, and the customer selects one inquiry mode from the menu using the touch panel 37.

Although not shown, the touch panel 37 can be used to select whether or not to carry out online transaction at the same time as or before or after the selection of the inquiry mode. Then, when online transaction is selected, the step S shown in the figure.
An online transaction process is also executed in parallel with the process from 63 onward. However, since the online transaction processing is the same as the conventional one and does not require any special explanation for those skilled in the art, the description thereof will be omitted.

In the inquiry mode selection in step S63, the following nine inquiry modes can be selected.

(1) Normal format inquiry mode Inquires about the entire transaction history written in the electronic passbook. That is, all the items 3 to 19 (see FIG. 1) are inquired within the range of all service types 00 to 05 (see FIG. 2).

(2) Balance Transition Inquiry Mode The balance amount 19 and other incidental items (dates 3, 5, bank code 7, branch code 9, etc.) are inquired within the range of all service types 00-05.

(3) Deposit amount inquiry mode Inquires about all items 3 to 19 for service type 00 (deposit).

(4) Salary / bonus inquiry mode Service type 01 (salary / bonus) All items 3 to 1
Inquire 9.

(5) Withdrawal amount inquiry mode Inquire all items 3 to 19 for service type 02 (withdrawal).

(6) Withdrawal amount inquiry mode Service type 03 (withdrawal) All items 3 to 19
To inquire.

(7) Automatic withdrawal amount inquiry mode Service type 04 (automatic withdrawal) All items 3
Query ~ 19.

(8) Fee inquiry mode Service type 05 (card fee) All items 3 ~
Query 19.

(9) Fund analysis mode This mode can be selected when the balance transition inquiry mode is selected or when online trading is performed. Calculate the minimum balance amount in the entire transaction history (that is, the amount that the customer has never managed), and calculate the interest when the deposit is the ordinary deposit and the time deposit, and calculate the difference between the interests. An advice message according to the difference is provided to the customer together with the balance transition result or the transaction result.

When one of the above nine inquiry modes is selected, it is next checked whether or not the selected inquiry mode is the automatic withdrawal inquiry mode (step S64). As a result, if it is not in the automatic withdrawal amount inquiry mode, then a menu screen for selecting the inquiry period is displayed (step S65).
As for the menu, for example, the latest 1 month, the latest 3 months,
There is a free period designation.

On the other hand, when the selected inquiry mode is the automatic withdrawal amount inquiry mode, next, the automatic transfer type selection process (step S70) is started. That is, a menu screen for selecting the type to be inquired from among the seven types of automatic transfer types shown in FIG. 2 is displayed, and the customer is allowed to select any type from the touch panel 37. There are eight selectable menus, one for inquiring about all withdrawals and one for individually inquiring about seven types of automatic transfer types.

When the selection of the automatic transfer type is finished, the period selection menu screen is displayed as in the case of step S65 (step S71). However, the menu at this time is, for example, the latest 3 months, the latest 1 year, and a free period designation in consideration of the fact that the automatic withdrawal is usually performed every month.

Next, it is checked whether the customer has selected a free period designation from the touch panel 37 or designated a fixed period such as 3 months or 1 month (step S66). If the free period is designated, a period input screen is displayed. Is displayed and the customer is prompted to input the period of time to be inquired (step S67).

Thereafter, the transaction history is read out from the optical storage unit 1 of the electronic passbook and temporarily stored in the transaction data work memory 43 within the range of the transaction type corresponding to the inquiry mode selected by the customer and the selected period (step). S68).

Next, the read transaction history is displayed on the display 39, the customer is asked whether or not to print the transaction history, and the printer mechanism 3 is used when the customer requests printing.
Printing is performed according to No. 5 (step S69). At that time, the service type 13 and the automatic transfer type 15 in the transaction history read from the electronic passbook are converted from symbols to character notations by the symbol / character conversion table 50 in the transaction information processing device 51, and displayed and printed. Thereby, the customer can clearly recognize the transaction type of the referred transaction history.

When an inquiry is made in parallel with the online transaction, the result of the online transaction is also displayed or printed together with the inquired transaction history. In that case, the transaction type of the online transaction result is also converted from the symbol to the character notation.

If the period specified by the customer exceeds the period range of the transaction history recorded in the electronic passbook, the online state is used when making an inquiry in the online state, and the offline state is used. If the inquiry is made, the bank host computer 47 is automatically connected to become online, and at least the transaction history for the exceeded period is transmitted from the bank host computer 47. As a result, the transaction history can be inquired not only in the period range recorded in the electronic passbook but also in the period range in which the bank host computer 47 can service. In this case, the host computer 47 side may select and send only the transaction type history corresponding to the inquiry mode. However, the host computer 47 may send the history of all the transaction types to perform transaction. By storing this in the work memory 43 in the information processing device 51 and then selecting and displaying or printing only the transaction type according to the inquiry mode, the processing load on the host computer 47 is reduced, and It is desirable that the online mode can be released at an early stage, and that the inquiry mode can be freely changed by the customer thereafter.

By the way, when the fund analysis inquiry mode is selected in step S63 of FIG. 5, step S6 of FIG.
In the process of 8, the balance amount for the designated period is read from the electronic passbook, and then a special process for fund analysis is performed. FIG. 6 shows a flow of a special process for this fund analysis.

First, the minimum balance amount is searched from the read balance amount book (step S81), and the interest amount when the minimum balance amount is ordinary deposit is calculated (step S8).
2). Then, the interest amount when the minimum balance amount is converted into a time deposit is calculated (step S83), and the difference amount between the interest amount when the time deposit is converted and the interest amount when the ordinary deposit is calculated ( Step S84). Then, the advice message based on the interest for the difference is selected based on the difference / advice message conversion table prepared in advance in the work memory 43 (step S8).
6) This is displayed on the display 39, and if requested by the customer, this is printed out from the printer mechanism 35 (step S86). As described above, providing the advice message to the customer can effectively contribute to the improvement of the customer's fund management method, as compared with the case where the calculation result for the interest difference is simply provided.

7 and 8 show a display example and a print example of the transaction history inquiry result, respectively. The example shown is for the fee inquiry mode, but as you can see from this example, only the transaction history of the transaction type specified by the customer is provided, and since the inquired transaction type is written,
It is convenient for customers to obtain only the necessary information without waste.

FIG. 9 shows a display example (or print example) of the result when the fund analysis is performed together with the balance transition inquiry. As shown in the figure, when the balance transition inquiry is performed, the balance is displayed as a line graph, and when the fund analysis is further performed, an advice message as the analysis result is displayed. This allows
This is convenient because the customer can grasp the balance transition at a glance and receive advice on fund management. In addition, when the fund analysis is performed together with the online transaction, the result of the online transaction is also displayed at the same time.

As described above, according to the above-described embodiment, from the transaction history recorded in the electronic passbook,
Utilizing the detailed transaction type symbols included therein,
Since the customer selects the desired transaction history and displays or prints it out, it is not necessary for the customer to select the necessary information from the huge transaction history, and the transaction history can be searched easily. .

Since the transaction history can be inquired and the funds can be analyzed in parallel with the online transaction, these services can be received without imposing a time burden on the customer. Further, it is possible to inquire online for a period range not recorded in the electronic notebook.

Further, since the detailed transaction type symbol is converted into a character display and displayed or printed, the customer can confirm what transaction type he / she has referred to, and even if all transaction types are summarized. Even if the customer makes an inquiry, it becomes easy for the customer to classify the inquiry result for each transaction type or pick up only a specific transaction type.
Further, since the symbol / character conversion table is provided in the transaction information processing device, the transaction type can be converted into the character notation without depending on the terminal controller.

Further, not only the inquiry of transaction history,
The fact that it is possible to inquire balance changes and analyze funds is also useful for customers in helping them manage their funds.

It should be noted that the above description relates to only one embodiment of the present invention, and the present invention can be implemented in various other modes without departing from the scope of the invention. For example, the transaction information processing device of the present invention can be configured as a device for personal use of a customer by using a personal computer or the like. Further, the content of the fund analysis can be more complicated and more diverse than that of the above-described embodiment.

[0069]

As described above, according to the present invention,
It is possible to provide a transaction information processing device for an electronic passbook that can search for transaction information desired by a customer in a short time from the transaction history written in the electronic passbook.

[Brief description of drawings]

FIG. 1 is a memory map showing a transaction history storage area of an optical storage unit of an electronic passbook according to an embodiment of the present invention.

FIG. 2 is a diagram showing correspondences between transaction types of transaction history stored in an electronic passbook and their symbols.

FIG. 3 is a block diagram showing the relationship between an embodiment of the transaction information processing apparatus of the present invention and a bank host computer.

FIG. 4 is a block diagram showing the configuration of the transaction information processing apparatus.

FIG. 5 is a flowchart showing a transaction history inquiry processing operation performed by the transaction information processing apparatus.

FIG. 6 is a flowchart showing a processing operation of fund analysis performed by the transaction information processing apparatus.

FIG. 7 is a view showing a display example of a fee inquiry result by the transaction information processing apparatus.

FIG. 8 is a diagram showing a print example of a fee inquiry result by the transaction information processing apparatus.

FIG. 9 is a diagram showing a display example of results of balance transition inquiry and fund analysis by the transaction information processing apparatus.

[Explanation of symbols]

 1 Electronic Passbook Optical Storage Unit 31 Communication Mechanism 33 Cash Deposit / Withdrawal Mechanism 35 Printer Mechanism 37 Touch Panel 39 Customer Display 41 Electronic Passbook Read / Write Mechanism 43 Transaction Data Work Memory 45 Processor 50 Symbol / Character Conversion Table 51 Transaction Information Processing apparatus

Claims (10)

[Claims] 1. A transaction information processing apparatus using an electronic passbook in which information relating to a transaction executed in the past is recorded as a transaction history together with a symbolized transaction type, and one or more transaction types desired by a customer. And a history inquiry for selectively reading, from the electronic passbook, only the transaction history corresponding to the transaction type selected by the type selection unit, based on the symbolized transaction type. A transaction information processing apparatus for an electronic passbook, comprising: means and inquiry result providing means for providing a customer with the transaction history read by the history inquiry means. 2. The transaction information processing apparatus according to claim 1, further comprising a symbol / character conversion means for converting the symbolized transaction type in the read transaction history into a character notation representing the transaction type. The transaction information processing apparatus for an electronic passbook, wherein the inquiry result providing means provides the customer with the transaction type of the read transaction history using the converted character notation. 3. The transaction information processing apparatus according to claim 1 or 2, further comprising means for connecting to a bank host computer to conduct online transactions, and both the online transaction means and the history inquiry means An electronic passbook transaction information processing device, which is capable of operating in parallel. 4. The electronic passbook transaction information processing apparatus according to claim 1, wherein the history inquiry unit selectively reads out the balance amount in the transaction history stored in the electronic passbook. An electronic passbook transaction information processing apparatus, comprising: an inquiry means, wherein the inquiry result providing means includes a balance transition providing means for providing a customer with information representing a transition of the read balance amount over time. 5. The transaction information processing apparatus according to claim 1, wherein the history inquiry unit reads out at least a part of the transaction history stored in the electronic passbook for fund management. Transaction processing information of an electronic passbook, wherein the inquiry result providing means includes an analysis result providing means for providing a customer with an analysis result of the money analyzing means. apparatus. 6. The transaction information processing apparatus according to claim 5, wherein the predetermined analysis uses the minimum balance amount based on the minimum balance amount in the transaction history in the electronic passbook by a different method. A transaction information processing device for an electronic passbook, characterized in that it calculates the gain of. 7. The transaction information processing apparatus according to claim 5, wherein the analysis result providing means responds to the analysis result from the fund analysis means by using a conversion result and an advice message conversion table prepared in advance. A transaction information processing device for an electronic passbook, characterized by providing an advice message to a customer. 8. The transaction information processing apparatus according to claim 1, further comprising period designation means for a customer to designate a period, wherein the history inquiry means has a transaction history within the designated period. A transaction information processing apparatus for an electronic passbook, wherein only the information is read from the electronic passbook based on the date and time of the transaction history recorded in the electronic passbook. 9. The transaction information processing apparatus according to claim 8, which is capable of communicating with a bank host computer and when the designated period exceeds a period of transaction history stored in the electronic passbook, A transaction information processing apparatus for an electronic passbook, further comprising history receiving means for receiving a transaction history within a period of at least the amount of excess from the bank host computer. 10. A transaction information processing method using an electronic passbook in which information relating to a transaction executed in the past is recorded as a transaction history together with a transaction type encoded as a symbol, and one or more transaction types desired by a customer. And a step of selectively reading only the transaction history corresponding to the selected transaction type from the electronic passbook based on the symbolized transaction type, and the selectively read A transaction information processing method for an electronic passbook, comprising: providing a transaction history to a customer.