JPH0785184A - Transaction processing system - Google Patents

Abstract

PURPOSE:To reduce man-hours required for transaction of a bill by executing automatically the deposit processing attended with the transaction of bill based on transmission information sent from a commissioned shop terminal equipment. CONSTITUTION:Transmission information sent from a commissioned shop terminal equipment 3 is sent to a commission shop terminal equipment 1 and also sent to a deposit processing means 5 simultaneously. The deposit processing means 5 receiving the transmission information accesses bill management information stored in a bill management information storage means 6 based on the transmission information and acquires an account number of a request person. The deposit processing means 5 accesses an account information storage means 7 based on the account number of the request person and adds the monetary amount of the bill to the transaction residual monetary amount.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system used in banks and the like, and more particularly to a transaction processing system for executing information processing associated with bill settlement processing.

[0002]

2. Description of the Related Art As seen in the widespread use of cash cards and the like, a technique has been developed for reducing manual work in transaction business in banks. However, in the case of a bill transaction, it is difficult to reduce manual work. It is necessary to carry out collection work with other banks,
In this respect, bill transactions are very different from ordinary deposit and savings transactions.

By the way, there are two major tasks related to bills.
It can be divided into two stages. The first stage is a stage in which a bill holder (hereinafter referred to as “biller collection requester”) deposits a bill in a bank and requests collection of the bill (hereinafter referred to as “acceptance work”). In acceptance work, a bank requested to collect bills (hereinafter referred to as "consignment store") consigns the collection of bills to another bank (hereinafter referred to as "consignment store").
Usually, the bank where the bills are paid is the consignment store. At this time, the consignment store must record the information about the bill, such as the payment date and the payment amount, and fill in the necessary information on the bill. And most of this work was done manually, and required many man-hours.

The second stage begins when the consignment store notifies the consignment store that the bill payment has been completed. Upon receiving this notification, the consignment store executes processing for depositing the bill payment amount (hereinafter referred to as “deposit processing”) to the account of the bill collection client who deposited the bill. Since this depositing process is performed manually with reference to the notification from the consignment store, it requires a lot of man-hours.

As described above, Japanese Patent Laid-Open No. 14172/1993 discloses an example of a technique for reducing the above-mentioned first-stage man-hour among bill transactions requiring a lot of manpower.
In this technology, the amount data manipulated during the bill acceptance process is stored in association with the unique code read from the bill, the unique code is read from the bill during the printing process, and the amount data is read from this unique code. , This amount data is automatically printed on the bill. Therefore, with this technology, it is possible to enter the amount data only once, and it is possible to omit the man-hours involved in the bill acceptance process.

[0006]

However, in the above-mentioned conventional technique, only the number of man-hours involved in the above-described first step, that is, the receiving process is reduced. Therefore, in the above-mentioned prior art, the second stage of bill processing,
That is, it was not possible to reduce the man-hours involved in the deposit processing.

[0007]

In order to solve the above-mentioned problems, the transaction processing system of the present invention is a bill management information storage means for storing bill management information for managing bills, and a bill of the bill. The account information storage means for storing the account information of the collection client and the outgoing information sent when the bills are paid are received, and the bill management information storage means for receiving the outgoing information based on the outgoing information. And a deposit processing unit for reading the bill management information of the bill and updating the account information of the bill collection requester stored in the account information storage unit based on the bill management information.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, a first embodiment of the present invention will be described with reference to the drawings.

Referring to FIG. 1, a transaction processing system 10 of the present invention is a consignment store terminal 1 installed in a consignment store, a consignment store terminal 3 installed in a consignment store, and information input from the consignment store terminal 3. And a transmission means 4 for performing transmission processing on
The receiving means 2 for outputting the data received from the transmitting means 4 to the entrusted store terminal 1 and the deposit processing means 5, the bill management information storage means 6 for storing the information for managing the bills, and the bill collection requester are established. Account information storage means 7 for storing information relating to the stored account, and deposit processing means 5 for executing the deposit processing by accessing the bill management information storage means 6 and the account information storage means 7 based on the data input from the receiving means 2. It is configured to include and.

The consignment store terminal 1 is an ordinary terminal device,
A function for exchanging data with the bill management information storage means 6 and the transmitting means 4 for transmitting the information transmitted by the consignment store terminal 3.
And has a function of receiving via the receiving means 2.

The contents of the information (hereinafter referred to as "note information 100") output from the consignment shop terminal 1 to the note management information storage means 6 are shown in FIG. Referring to FIG. 2, the bill information 1
00 is a consignor code 101 for specifying the consignor
, Collection number 102, bill due date 103, bill amount 1
04, the client account number 105 which is the account number of the bill collection client, and the consignment store code 10 for specifying the consignment store.
6 and. These data are input by the operator to the consignment shop terminal 1.

The receiving means 2 has a function of receiving the data transmitted by the transmitting means 4, converting the data into an appropriate format, and outputting the data to the agency terminal 1 and the deposit processing means 5.
The receiving means 2 entrusts a receiving device for receiving data, a processing device for processing this received data, a program executed by this processing device for converting the received data, and the converted data. The store terminal 1 and the input / output device for outputting to the deposit processing means 5.

The consignment store terminal 3 is an ordinary terminal device,
A function for transmitting information regarding a bill collection to the consignment shop terminal 1 through the transmitting means 4 and the receiving means 2, and
It has a function for exchanging data with the bill management information storage means 6.

The transmitting means 4 has a function of converting the data transmitted from the consignment store terminal 3 into an appropriate format and transmitting it to the receiving means 2. The transmitting means 4 is an input / output device for inputting the data sent by the consignment store terminal 3, a processing device for processing the data input by this input / output device, and is executed by this processing device to input the input data. It is composed of a program for converting to an appropriate format and a transmitting device for transmitting the converted data to the receiving means 2.

The contents of the data transmitted by the transmission means 4 (hereinafter referred to as "transmission information 300") are shown in FIG. Referring to FIG. 4, the outgoing information 300 includes a handling date 301,
Receiving store code 302 that identifies the receiving store, originating store code 303 that identifies the originating store, amount 304, and collection number 3
Including 05 and. Here, consignment store code 10 of the same bank
1 and the receiving store code 302 are set to be the same. Similarly, the consignment store code 106 and the transmission store code 303 of the same bank are set to be the same.
The content of the outgoing information 300 is data entered by the operator via the outgoing means 4. However,
The operator is the receiving store code 302 and the transmitting store code 3
The receiving store name and the transmitting store name are input instead of 03, and the transmitting means 4 converts these into the receiving store code 302 and the transmitting store code 303.

The deposit processing means 5 accesses the bill management information storage means 6 based on the data inputted from the receiving means 2,
It has a function for obtaining the account information of the bill collection client, and a function of accessing the account information storage means 7 based on this account information and depositing the payment into the account of the bill collection client. The deposit processing means 5 is an input / output device for inputting / outputting data between the receiving means 2, the bill management information storage means 6 and the account information storage means 7, the receiving means 2, the bill management information storage means 6 and the account information storage. It is composed of a processing device for processing the input data input from the means 7, and a program which is executed by the processing device, analyzes the input data, and outputs the data to the account information storage means 7 according to the contents thereof. . Details of this program will be described later.

The bill management information storage means 6 has a function of storing information necessary for bill management and searching the contents thereof in response to an external request to provide necessary data. The bill management information storage means 6 writes the data input from the consignment store terminal 1 into the storage means 62 such as a magnetic disk device, an optical disk device, etc., and the deposit processing means 5 as well.
The storage contents of the storage means 62 according to the request of
The access means 61 outputs the search result. Since the structure of the access means 61 having such a function is generally known, the description thereof is omitted here.

The contents of the information stored in the bill management information storage means 6 (hereinafter referred to as "bill management information 200") are shown in FIG. Referring to FIG. 2, the bill management information 200 is
Information necessary for bill management such as payment information 201 is added to the information of bill information 100. Here, when the payment information 201 is 0, it means that the payment is not completed,
When it is 1, it means that it is completed.

The account information storage means 7 has a function of storing information relating to the bill collection client's account, retrieving its contents in response to an external request, and providing necessary data. The account information storage means 7 writes the data input from the deposit processing means 5 into the storage means 62 such as a magnetic disk device or an optical disk device, and stores the storage means 62 in accordance with a request from the deposit processing means 5. It is comprised of an access unit 71 for searching the contents and outputting the search result. Access means 71 having such a function
Since the configuration is generally known, the description is omitted here.

The contents of the information (hereinafter referred to as "account information 400") stored in the account information storage means 7 are shown in FIG. Referring to FIG. 5, the account information 400 includes a store code 401, an account number 402, a bill collecting client name 403, and a transaction balance 404.

Next, the operation of this embodiment will be described with reference to the drawings.

When the bill collection client deposits the bill at the consignment store, the operator of the consignment store inputs the bill information 100 regarding the bill at the consignment store terminal 1. Referring to FIG. 8A, in this case, the bill information 100 is “001”.
However, the collection number 102 is "005" and the bill due date is 10
No. 3 is November 15, 1992, bill amount 104 is 1 million yen, and client account number 105 is "10.
“008” is the consignment store code 106, and “002” is
Each is entered.

Referring to FIG. 6, in step 510, the consignment shop terminal 1 stores the bill information 100 in the bill management information storage means 6. In the bill management information storage means 6, information necessary for bill management is added to the bill information 100 to form bill management information 200, which is stored. Figure 8
Referring to (B), in this case, the billing information 100 is stored with the settlement information 201 = "0" indicating that the settlement has not been completed.

When the collection of this bill is completed, the contract store
Information regarding this bill collection is input to the trustee terminal 3.
This information includes the date of handling 301, the amount of money 304, and the collection number 305, as well as the name of the transmitting store and the receiving store.
This information is output to the transmission means 4.

Referring to FIGS. 6 and 8, step 5
At 20, the transmission means 4 processes the information input from the consignment store terminal 3 to generate transmission information 300 and transmits it to the reception means 2. At this time, the receiving store name is the receiving store code 302,
The sender name is converted into the sender code 303, respectively. In this case, the handling date 301 is November 1, 1992.
On the 5th, “001” is transmitted as the receiving store code 302, “002” is transmitted as the transmitting store code 303, 1 million yen is transmitted as the amount 304, and “005” is transmitted as the collection number 305. Here, the receiving store code 302 matches the outsourcing store code 101, and the sending store code 303 matches the outsourcing store code 106. At this time, information for managing the outgoing information 300, for example, a history of outgoing calls is also exchanged.

Referring to FIG. 6, in step 530, the receiving means 2 receives the outgoing information 300. The receiving means 2 sends the contents of the outgoing information 300 to the deposit processing means 5. In the conventional technology, the outgoing information 300 is sent only to the consignment shop terminal 1 and the outgoing information 30 displayed on the consignment shop terminal 1 is displayed.
After seeing 0, the operator re-performed the deposit processing to the bill collection client.

In step 540, the deposit processing means 5
Executes deposit processing based on the transmission information 300. This step is a feature of the present invention, and by doing so, manpower is not required for the deposit process. The details of the deposit process are shown in FIG. FIG. 7 is a flowchart showing the operation of the deposit processing means 5 in step 540.

Referring to FIG. 7, in step 541, the deposit processing means 5 receives the outgoing information 300 sent by the receiving means 2.

Referring to FIG. 7 and FIG. 8D, in step 543, the deposit processing means 5 causes the deposit information 30
The receiving store code 302 and the collection number 305 are taken out from 0.

Referring to FIGS. 7 and 8E, in step 544, the deposit processing means 5 accesses the bill management information storage means 6 by using the consignment store code 101 and the collection number 102 as keys, and then the bill management information. You get 200. At this time, the receiving store code 302 and the collection number 305 extracted from the transmission information 300 in step 543 become the consignment store code 101 and the collection number 102.

Referring to FIG. 7, in step 545, the deposit processing means 5 handles the handling date 30 in the outgoing information 300.
It is confirmed that 1 matches the handling date 301 in the bill management information 200. If they do not match, the deposit processing means 5 executes error processing in step 551 and ends the operation.

Similar to step 545, step 546
And 547, the bill 104 and the amount 304 match, and the consignment store code 106 and the sending store code 30.
A match of 3 is confirmed.

Referring to FIGS. 7 and 8 (F), in step 548, the deposit processing means 5 causes the deposit processing means 5 to execute step 54.
Consignment agency code 1 from the bill management information 200 obtained in 4.
01 and the client account number 105 are taken out.

Referring to FIGS. 7 and 8G, in step 549, the deposit processing means 5 causes the store code 4
01 and account number 402 as a key to account information storage means 7
To obtain account information 400. At this time, the outsourced store code 101 and the client account number 105 extracted by the deposit processing means 548 become the store code 401 and the account number 402. Then, the deposit processing means 5 confirms the deposit possibility information (not shown) of the account information 400, and if the deposit is possible, the transaction balance 404 in the account information 400.
The bill amount 104 is added to and the account information 400 is updated. The updated account information 400 is stored again in the account information storage means 7.

Referring to FIGS. 7 and 8 (H), at step 550, the deposit processing means 5 causes the step 54 to proceed.
Of the bill management information 200 obtained in 4, the settlement information 20
Change 1 to "1", which indicates the completion of payment. Changed 20
0 is stored in the bill management information storage unit 6.

At this time, the deposit processing means 5 sends to the receiving means 2 a signal indicating that the deposit processing is completed. Receiving means 2 that has received this signal adds the information indicating that the deposit processing is completed to the outgoing information 300 transmitted from transmitting means 4, and sends it to consignment shop terminal 1. On the consignment store terminal 1, the content of the outgoing information 300 and a display indicating that the deposit process is completed are displayed.

Upon completion of step 550, step 5
40 ends, which ends the operation of transaction processing system 10.

In the transaction processing system 10 described above, in order to confirm the current processing status of bills, all or part of bill information 100 is input to the agency terminal 1 or the receiving means 2. The consignment store terminal 1 or the consignment store terminal 3 accesses the bill management information storage means 6 based on the bill information 100 to obtain the bill management information 200. Then, the management data such as the payment information 201 is taken out from the bill management information 200 and displayed on the screen.

[0039]

Next, the effect of the present invention will be described. In the present invention, the outgoing information 300 transmitted by the consignment store terminal 3 is
At the same time as being displayed on the consignment store terminal 1, it is also sent to the deposit processing means 5, and based on the transmission information 300 and the bill management information 200 in the account information storage means 7, the account information storage means 7
The deposit processing is automatically performed by the deposit processing means 5.
That is, the second stage of the bill transaction described above, that is, the deposit process is automatically performed without human intervention. Therefore, it is possible to reduce the number of man-hours involved in the bill transaction.

[Brief description of drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is a diagram showing the content of bill information 100.

FIG. 3 is a diagram showing the content of bill management information 200.

FIG. 4 is a diagram showing the contents of outgoing information 300.

5 is a diagram showing the contents of account information 400. FIG.

FIG. 6 is a flowchart showing the operation of the transaction processing system 10.

FIG. 7 is a flowchart showing the operation of deposit processing means 5.

FIG. 8 is a diagram showing a transition of each information in the operation of the first embodiment.

[Explanation of symbols]

 10 transaction processing system 1 consignment shop terminal 2 receiving means 3 consignment shop terminal 4 sending means 5 deposit processing means 6 bill management information storage means 61 access means 62 storage means 7 account information storage means 71 access means 72 storage means 100 bill information 101 consignment Store code 102 Collection number 103 Bills due date 104 Bill amount 105 Client account number 106 Consignment store code 200 Bill management information 201 Settlement information 300 Originating information 301 Handling date 302 Receiving agency code 303 Originating store code 304 Amount 305 Collection number 400 Account information 401 Store code 402 Account number 403 Name 404 Transaction balance

Claims (5)

[Claims] 1. A bill management information storage unit for storing bill management information for managing a bill, an account information storage unit for storing account information of a bill collection client of the bill, and a bill payment unit. Received outgoing information sent when performed, read the bill management information of the bill from the bill management information storage means based on the outgoing information, and store the account information based on the bill management information. And a deposit processing means for updating the account information of the bill collection client stored in the means. 2. The transaction processing system according to claim 1, wherein the deposit processing means updates the account information by adding the bill amount of the bill to the transaction balance in the account information. 3. The deposit processing means accesses the bill management information storage means by using a consignment store code for specifying a collection consignment store in the transmission information and a collection number of the bill as a key, and the bill is billed. 2. The transaction processing system according to claim 1, wherein the account information storage means is accessed using the account number of the bill collection client in the management information as a key. 4. The deposit processing means, when receiving the outgoing information, accesses the bill management information storage means based on the outgoing information and updates the settlement information in the bill management information of the bill. The transaction processing system according to claim 1, wherein: 5. A consignment store terminal installed in said bill collection consignment store, and a consignment store terminal installed in said bill collection consignment store, wherein said bill management information is bill management information by said consignment store terminal. The transaction processing system according to claim 1, wherein the transaction information is stored in a storage unit and the transmission information is transmitted from the trustee terminal.