JPH09147036A - Exchange centralized processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the frequency of exchange processing that is carried out at each branch office and to improve the exchange processing efficiency by performing centralizedly such exchange processing that the slip data totalization processing, the fund shift processing, the fund shift slip production processing, etc., at a center office based on the slip data received from each branch office. SOLUTION: The slip data received by FAX from each branch office are outputted to a transfer processor 1 and stored in a slip data file 29 of a file device 8. A totalization processing part 6 of a processing terminal equipment 13 totalizes the slip data stored in the device 8 for every branch office to produce the totalization data. At the same time, the sorting items, i.e., the transfer types, the designated transfer dates and the handling destination types are set as the classification items of the totalization data and classified by items to prepare the totalization data. A fund shift slip production processing part 7 performs the fund shift processing to each branch office based on the totalization data on every branch office and produces the fund shift slip data for shift of the fund.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a centralized exchange processing apparatus used in a system for centrally processing slip data (data such as a transfer slip) generated at each branch of a bank or other financial institution at a center. , At the center, processing of tabulating the slip data, processing of automatically issuing a transfer card,
The present invention relates to a centralized exchange processing apparatus that centralizes exchange processing such as fund transfer processing and fund transfer slip creation processing.

[0002]

2. Description of the Related Art A conventional example will be described below with reference to FIGS. In the following description, a transfer slip or the like will be simply referred to as a “slip”. §1: Description of currency exchange processing--see FIG. 15 FIG. 15 is an explanatory diagram of conventional currency exchange processing. In the past, banks and other financial institutions performed various types of exchange processing (payroll transfer processing, various remittance processing, etc.). This currency processing is
It was carried out by the following procedures (1) to (13) using a facsimile exchange processing system between each branch and the center of a financial institution such as a bank.

(1): First, the center starts the facsimile money order processing system. This processing puts the facsimile money order processing system in a normal operating state. (2): When the facsimile money order processing system is in the normal operation state, the center starts the slip collection processing by facsimile (hereinafter referred to as “FAX”) from each branch.

(3): After that, each branch starts the slip acceptance business. Then, the slip (transfer slip) is accepted, and the accepted slip is sequentially faxed to the center. (4): While performing the above-mentioned slip receiving work, each branch manually issues a transfer card to the received slip as needed.

(5): While the branch accepting business is being carried out at each branch, the center performs the slip collecting process. During this time, the slips from each branch are sequentially received by FAX. (6): The center sequentially processes the slips (image data of the slips) received from each branch by FAX (slip processing).

(7): At the center, when the slip collection processing from each branch is completed, the slip data received from each branch is totaled, and the totalized data aggregated by the totalization is transmitted to each branch by FAX. To do.

(8): The branch receives FAX data from the center. (9): The branch office performs a fund transfer process based on the received aggregate data of the FAX and creates a fund transfer slip for fund transfer.

(10): The branch office processes the fund transfer slip created in (9) above. (11): When the processing of (10) above is completed, the branch transfers funds to the center.

(12): The center receives the funds from the branch. (13): The center compares the funds received from the branch with the aggregated data to check if there is any mistake.

§2: Detailed description of processing ... See FIGS. 16 to 20. FIG. 16 shows a conventional example of aggregated data / an example of fund transfer management ledger, and FIG. 17 shows a conventional transcription example 1 / transcription example 2 and FIG. Is a conventional transcription example 3 / transcription example 4, FIG. 19 is a conventional transcription example 5, and FIG. 20 is a conventional fund transfer slip example. Hereinafter, of the processes (1) to (13), the processes from (8) receipt of aggregated data to (11) transfer of funds will be described in detail with reference to FIGS. 16 to 20.

Description of the aggregated data reception processing performed at the branch in (8) above. In the aggregated data reception processing at (8) performed at the branch, A in FIG.
FAX data of the format shown in the figure is received. This aggregated data example is the received data of the A1 branch, and has items such as item, designated transfer date, number of cases, and amount of money. In this case, the designated date of transfer differs depending on the item, and in the case of furikomi (transfer), it is possible only on the current day. In the case of Sakifuri, the next 1 (next day) to the next 3
Dates up to (3 days from the next day) are possible. In the case of Kiyo (salary), the dates from the next 2 to the next 3 are possible.

At the branch, on the day of the day, it is manually checked whether or not the total contents of the slips transmitted from the branch by fax and the contents of the total data transmitted by FAX from the center match.

At the branch office, the total data received by FAX is manually transferred to the fund transfer management ledger in the format shown in FIG. 16B. When posting, the designated transfer date of the aggregated data should be the same as the fund transfer date of the fund transfer management ledger. An example of the fund transfer management ledger thus transferred is shown in FIGS. 17 to 19.

FIG. 17C is a transcription example 1, FIG. 17D is a transcription example 2, FIG. 18E is a transcription example 3, FIG. 18F is a transcription example 4, FIG. 19G is a transcription example. This is Example 5. In each of the above transcription examples, a is a transcribed column, b is a column transcribed by the previous day, and c is an untranscribed (blank) column (column transcribed on or after the next day).

: Calculate the total column of the fund transfer management ledger whose fund transfer date is today. In this case, the fund transfer date is 10
/ 11, the money transfer amount (total) is calculated as shown in FIG.

At the branch, a fund transfer slip as shown in FIG. 20 is created based on the fund transfer management ledger, and a charge stamp is impressed. For further confirmation, the administrator confirms and stamps the approval stamp.

The operator operates the terminal to input the data of the fund transfer slip for which the approval stamp is approved.

[0018]

The above-mentioned prior art has the following problems. (1): At each branch, processing for transfer of funds, especially the above
Since the processing of (8) to (11) was mostly done manually,
It took time and effort. In addition, there is a high possibility that mistakes will occur because humans are involved in the voucher recording and processing.

(2): Despite the fact that the issuance of a transfer card at each branch and the slip data processed at the center are mostly the same, the branch and center perform separate data input processing. Not only was it troublesome twice, but there was the possibility of making different inputs.

The present invention solves such conventional problems,
Based on the slip data received from each branch at the center, the centralized exchange processing such as tabulation processing of the slip data, fund transfer processing, fund transfer slip creation processing, etc. The purpose is to reduce the exchange rate and improve the efficiency of exchange processing. In the center,
By automatically issuing a transfer card using processed slip data, the purpose is to eliminate the transfer card issuing process at each branch and reduce the burden on the operator.

[0021]

FIG. 1 is a diagram illustrating the principle of the present invention. The present invention is configured as follows to achieve the above object. (1): A currency exchange central processing unit installed in the center of a system for centrally processing slip data generated at each branch of a financial institution, wherein the currency exchange central processing unit includes a transfer processing unit 11 and a processing unit. Terminal device 13 and transfer card 15
The transfer card issuing machine 14 for issuing the is provided.

The transfer processing device 11 includes a file device 8, a host transmission unit 1 for transmitting data to a host, a data output unit 2 for outputting data from the file device 8, and a file device. A file control unit 3 for controlling each file stored in 8 is provided, and in the processing terminal device 13, a card issuance data creation processing unit 4, a fund transfer condition processing unit 5, an aggregation processing unit 6, and a fund processing unit. A moving slip creation processing unit 7 is provided. Further, the file device 8 includes a slip data file 29 and a total data file 3
0 and the fund transfer condition data file 31 are provided.

Further, the currency exchange central processing unit is constructed as follows. (2): A centralized currency exchange processing apparatus installed in the center of a system for centrally processing slip data generated at each branch of a financial institution, the file device 8 storing slip data received from each branch. And an aggregation processing means for aggregating the slip data stored in the file device 8 for each branch to create aggregate data, and a fund transfer process for each branch based on the aggregate data for each branch to transfer funds. Is provided with a fund transfer slip creation processing means for creating fund transfer slip data.

(3): In the centralized exchange processing apparatus of (2), when the aggregation processing means creates aggregated data for each branch, as a classification item of the aggregated data, a transfer item, a designated transfer date, It has a function of setting each item of handling and destination type, and classifying each item according to the item and creating aggregate data.

(4): In the exchange central processing unit of the above (2), the voucher data of the transaction requiring the transfer card is read from the voucher data of the file device 8 and the voucher data is used for issuing the transfer card. It is provided with a card issuing data creation processing means for converting the data format to create a transfer card issuing data, and a transfer card issuing machine 14 for issuing a transfer card based on the data output from the card issuing data creation processing means. .

(5): In the exchange centralized processing device according to (3), the card issuance data creation processing means, based on the transfer card issuance necessary / unnecessary information included in the slip data,
It is equipped with a function to determine whether or not a transaction is required to issue a transfer card.

(Operation) The operation based on the above configuration will be described with reference to FIG. : The slip data received by FAX from each branch of the financial institution is output to the transfer processing device 11 and stored in the slip data file 29 of the file device 8. In addition, the received slip data is converted into code data by character recognition processing,
It is stored in the slip data file 29. Then, the data of the slip data file 29 stored in the file device 8 is processed as follows.

When the transfer card issuing machine 14 issues a transfer card, the card issuing data creation processing unit 4 of the processing terminal device 13 sends the file device 8 via the data output unit 2.
From among the slip data, the slip data that requires the transfer card to be issued is sequentially read. The read slip data is converted into a data format to be transmitted to the transfer card issuing machine 14, and is transmitted to the transfer card issuing machine 14. Then, the transfer card issuing machine 14 issues the transfer card.

In the transfer card issuance processing, based on the required / unnecessary information for issuing the transfer card included in the slip data,
Judge whether the transaction requires the transfer card to be issued, and issue the transfer card only for the transaction that requires the transfer card to be issued.

When the money transfer condition processing unit 5 performs setting / change processing of the money transfer condition data, the data output unit 2
The data of the fund transfer condition data file 31 is read from the file device 8 via. Then, the read fund transfer condition data is stored in the fund transfer condition data file 31 of the file device 8 via the file control unit 3 after being changed by the operator.

When the totalization processing unit 6 performs the totalization process, the processed slip data in the slip data of the slip data file 29 is sequentially read out through the data output unit 2 and the totalization process is performed. When the tabulation process is completed, it is stored in the tabulation data file 30 via the file control unit 3.

In the aggregation process, aggregated data is created for each branch. In this case, as items of the aggregated data, items of transfer item, designated transfer date, handling, and destination type are set, Aggregate data is created by classifying the items.

When the fund transfer slip creation processing unit 7 performs the fund transfer process and the fund transfer slip creation process, the data of the tabulation data file 30 and the fund transfer condition data file 31 is output via the data output unit 2. Is executed, and a fund transfer process is performed for each branch to create a fund transfer slip for transfer of funds (transmittable fund transfer slip message data). The created money transfer slip is stored in the file device 8 via the file control unit 3. The money transfer voucher created as described above is sent to the host via the host transmission unit 1.
AX is transmitted.

As described above, the money transfer slip (telegram data) for each branch is automatically created at the center and transmitted to each branch, thereby reducing the exchange processing performed at each branch and burdening the work. Can be reduced. Further, by automatically issuing the transfer card using the processed slip data, it is possible to reduce the transfer card issuing work at each branch.

[0035]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. In the following description, the transfer slip is simply referred to as "slip". §1: Facsimile money order processing system ... Fig. 2
Reference FIG. 2 is a system configuration diagram. For example, a facsimile exchange processing system used in a bank is that each bank A,
For each of B, C, ...
It is a system connected by an X communication line.

For example, in bank A, each branch A1 of bank A,
It is possible to perform FAX transmission / reception between A2, A3 ... And A center, and the center is configured to perform exchange rate concentration processing by this FAX transmission / reception. Similarly to bank A, bank B and bank C have F between each branch and center.
AX transmission / reception is possible, and the center is configured to perform exchange rate concentration processing by this FAX transmission / reception.

In this case, the solid arrow in the figure indicates the process of fax-transmitting the slip from each branch of the bank A to the A center, and indicates that the A-center processes the slip faxed from each branch. , (Dotted arrow in the figure) indicates a process of transmitting the data processed by the A center to the banks B and C. With such a data flow, a system has been constructed in which slip data is transmitted from each branch to the center by FAX, and the exchange centralized processing (centralized processing of slips and the like) is performed in the center.

§2: Description of centralized exchange control device installed in the center--see FIG. 3 FIG. 3 is a block diagram of the centralized exchange control device. At the time of operation, a centralized exchange processor is installed at the center of each bank. This centralized exchange processing device is composed of a transfer processing device 11 connected to the host 10, a processing terminal device 13 connected to the transfer processing device 11, a FAX 12, and the like.

The transfer processing device 11 includes a recognition unit 20.
A reception memory 21, a disk device 26, a file input unit 22, a work processing unit 23, and a file search unit 24.
A file updating unit 25 and a communication control unit 28 are provided. The processing terminal 13 includes a plurality of processing terminals 1, 2, ...
..N and a transfer card issuing machine 14 connected to the processing terminal n. The functions and the like of the respective units are as follows.

(1): The transfer processing device 11 is composed of, for example, a server, and performs various transfer processes and the like according to an instruction from the processing terminal device 13. The transfer processing device 11 does not include a display device.

(2): The FAX 12 receives the slip data and the like transmitted from each branch by FAX. Note that F
The image data of the slip received by the AX 12 is output to the transfer processing device 11.

(3): The recognition unit 20 is an OC that performs character recognition.
The image data (image data of FAX-received voucher), which is composed of R and is stored in the reception memory 21, is read out, subjected to character recognition processing, and converted into code data (character code data).

(4): The reception memory 21 is a memory for storing the image data of the slip output from the FAX 12. (5): The disk device 26 is provided with a disk file 27, and the disk file 27 stores a slip data file 29 for storing image data, code data, and processing status data, and a total for storing total data. A data file 30 and a fund transfer condition data file 31 for storing fund transfer condition data are provided.

(6): The file input unit 22 performs a process of storing the image data stored in the reception memory 21 and the code data obtained by the recognition unit 20 in the disk file 27.

(7): The business processing unit 23 performs various processes in the transfer processing device 11 according to an instruction from the processing terminal 13. For example, various processes such as delivery of a slip data file, processing status, and tabulation of slip data are performed. Further, the business processing unit 23 also performs a process of sequentially transmitting the chit data files waiting to be transmitted to the host 10.

(8): When the file search unit 24 is instructed by the work processing unit 23 to search for unprocessed or processed slip data, the file search unit 24 searches the disk file 27 and processes the search result data. The processing is passed to the unit 23.

(9): The file updating section 25 updates the data of the disk file 27 with the processed slip data in accordance with the instruction from the work processing section 23. (10): The communication control unit 28 controls communication with the host 10 according to an instruction from the work processing unit 23.

(11): The processing terminal device 13 includes a plurality of processing terminals 1, 2, ... N, and is composed of, for example, a personal computer having a display device. The processing terminal device 13 displays image data and code data of the slip transferred from the transfer processing device 11 and performs editing processing. The edited slip data is stored in the disk file 27 in the transfer processing device 11.

(12): The transfer card issuing machine 14 writes data to the transfer card 15 and issues the transfer card according to an instruction from the processing terminal device 13. §3: Description of foreign exchange processing--see FIG. 4 FIG. 4 is an explanatory diagram of foreign exchange processing. At financial institutions such as banks,
By performing FAX communication between each branch and the center, currency exchange processing is performed as follows. Note that (1) to (13) show the currency exchange processing procedure.

(1): First, the center starts the facsimile money order processing system. This processing puts the facsimile money order processing system in a normal operating state. (2): After that, the center starts the slip collection processing.

(3): The branch starts accepting the slips and sequentially receives the slips. (4): Then, the accepted slips are sequentially sent to the center by FA.
Send X. (5): When the receipt of slips at each branch is started as described above, the center starts the slip collecting process and sequentially receives the slips from each branch by fax.

(6): At this time, the center starts the slip processing, and the centralized exchange processing device sequentially processes the received slip data. In this slip processing, character recognition processing of slip data (image data), transmission processing of slip data (code data after recognition) to a host, issuance processing of a transfer card, and the like are performed.

(7): When the center finishes processing all the slip data (at the end of the one-day slip collection processing), the slip data is totaled to generate total data. And
The fund transfer condition is set / changed and the fund transfer process is performed based on the aggregated data.

(8): In the center, a fund transfer slip (telegram data that can be transmitted to each branch) is created for each branch based on the aggregated data. (9): The center sends the created money transfer slip by FAX to each destination (each branch).

(10): The branch receives the FAX of the fund transfer slip transmitted from the center. (11): In the branch, the funds are transferred to the center by the fund transfer slip received in the process of (10).

(12): The center receives funds from the branch. (13): The center compares the funds received from the branch with the aggregated data to check if there is any mistake.

§4. Description of the operation of the centralized exchange processing device The operation of the centralized exchange processing device is as follows. (1): The slip data (image data of the transfer slip) received by the FAX 12 from each branch of the bank is the transfer processing device 11
And is stored in the reception memory 21. After that, in the transfer processing device 11, the recognition unit 20 reads the image data in the reception memory 21, performs character recognition, and converts it into code data. Then, the file input unit 22 stores the image data of the reception memory 21 and the code data converted by the recognition unit 20 in the slip data file 29.

(2): In the processing terminal device 13, when the slip data processing is selected by the operator, the unprocessed slip data is read from the transfer processing device 11, and the image data and the code data recognized by the recognition unit 20 are read. Display on the screen of the display device. Further, the code data obtained as a result of recognition by the recognition unit 20 is corrected if necessary.

Then, when the slip processing is completed, the processing status stored in the slip data file 29 is updated to processed and sent to the transfer processing device 11. At this time, the transfer processing device 11 updates the processing status of the slip data file 29 to the processed status.

(3): The business processing section 23 receives the slip data processed by the processing terminal 13, and when the processing status is waiting for transmission, instructs the communication control section 28 to send the data to the host 1
In addition to transmitting the chit data to 0, the chit data in the chit data file 29 is updated via the file updating section 25.

(4): When the operator selects the fund transfer condition setting / changing process, the processing terminal device 13 reads the fund transfer condition data from the fund transfer condition data file 31, and displays the contents on the screen of the display device. To display. Further, the operator sets / updates the fund transfer condition as necessary. Then, when the setting / updating process is completed, the processed fund transfer condition data is transmitted from the processing terminal device 13 to the transfer processing device 11. The transfer processing device 11 updates the fund transfer condition data file 31 with the processed fund transfer condition data.

(5): When the operator selects a total data creation instruction, the processing terminal device 13 transmits a total instruction command to the transfer processing device 11. Business processing unit 23
When receiving the totalizing instruction command from the processing terminal device 13, the server sequentially reads the slip data processed by the processing status from the slip data file 29 through the file searching unit 24 and performs the totalizing process. Then, when the tabulation process is completed, the tabulation data in the tabulation data file 30 is updated through the file updating unit 25.

(6): When the operator selects the fund transfer slip creating process, the processing terminal device 13 collects data from the transfer processing device 11 in the total data file 30 and the fund transfer condition in the fund transfer condition data file 31. The data is read and the fund transfer processing is performed to create a fund transfer slip (telegram data that can be transmitted to each branch).

That is, according to the fund transfer condition data, the aggregated data is edited to create a fund transfer slip. The created fund transfer slip is sent to the transfer processing device 11 as a processing status waiting for transmission. Then, the transfer processing device 11 transmits the fund transfer slip to the host 10.

§5: Description of Exchange Concentration Processing by Flowchart--See FIG. 5 FIG. 5 is a processing flowchart on the center side. Hereinafter, the exchange concentration process will be described with reference to FIG. Note that S1 to S
8 shows each processing step.

S1: First, for each branch, the slip data generated at the branch is FAX-transmitted to the center. S2: The center receives the slip data from each branch by FAX. Then, the received slip data (image data) is sent to the transfer processing device 11 and stored in the reception memory 21 by the transfer processing device 11.

S3: In the transfer processing device 11, the recognition unit 20
Reads the image data (slip data) stored in the reception memory 21, performs character recognition processing, and converts it to code data (character code data).

S4: When the recognition processing is completed, the file input unit 22 stores the image data (data to be recognized) stored in the reception memory 21 and the code data converted by the recognition processing in the slip data file 29. Store. Further, the file input unit 22 makes the processing status of the slip data file 29 recognized for the code data.

S5: The processing terminal device 13 reads the code data whose processing status has been recognized, and corrects the recognition error. Then, the data in the slip data file 29 is updated with the corrected data.

S6: After the processing of S5 is completed, the exchange central processing unit of the center performs the processing of transmitting the slip data (code data), the processing of issuing the transfer card, etc. as follows. (1): Transmission processing of slip data (code data) The transfer processing apparatus 11 hosts the slip data (code data) of the slip data file 29 whose processing status is waiting for transmission according to an instruction from the processing terminal device 13. 1
Send to 0. In this case, the business processing unit 23 reads the data of the slip data file 29 via the file search unit 24, requests the communication control unit 28 to transmit the data to the host 10. Then, the host 10 transmits the received data to a designated destination such as another bank or another branch of the own bank.

(2): Transfer Card Issuing Processing When issuing a transfer card, the processing terminal n connected to the transfer card issuing machine 14 instructs the business processing section 23 to read the slip data in the slip data file 29. Then, the voucher data of the transaction requiring the issue of the transfer card is sequentially read. Then, the processing terminal n converts the read slip data into a data format to be sent to the transfer card issuing machine 14 to create transfer card issuing data.

Then, the created transfer card issuing data is sent to the transfer card issuing machine 14. The transfer card issuing machine 14 that has received the transfer card issuing data writes the data in the transfer card and issues the transfer card. The transfer card is a card used when the customer makes a transfer using an automatic transaction device (ATM, etc.).

S7: When the one-day slip collection process is completed as described above, a slip data totaling process, a fund transfer condition setting / changing process, a fund transfer slip creating process, and the like are performed. In this case, the processing terminal device 13 instructs the transfer processing device 11 to read out the slip data to be totaled and total the slip data. Then, the total data is instructed to the transfer processing device 11 and stored in the total data file 30.

In this case, the total data is provided with items of transfer item, transfer designated date, handling, and destination type, and the items are classified by these items and totaled. The classification by destination type is to compare the destination financial institution or branch of the transfer with the financial institution or branch where the exchange data occurred, and: If the destination financial institution ≠ source financial institution is another bank, then: If the destination financial institution = source financial institution and the destination branch = source branch, the store is defined as: The destination financial institution = source financial institution, and the destination branch ≠ source branch is defined as the bureau store. It is a classification to do.

Further, when performing the fund transfer condition setting / changing process, the processing terminal device 13 instructs the work processing section 23 to read out the fund transfer condition data stored in the disk file 27 and display the contents. Displayed on the screen. Then, the setting of fund transfer conditions is changed as necessary. When this process ends, the business processing unit 23 is requested to store the fund transfer condition data in the fund transfer condition data file 31.

Further, when creating a fund transfer slip, the processing terminal device 13 issues an instruction to the transfer processing device 11,
The aggregate data is read from the aggregate data file 30 and the fund transfer condition data is read from the fund transfer condition data file 31. Then, based on the data, a fund transfer slip (telegram data) is created for each destination such as each branch.

S8: The created fund transfer slip is instructed to the transfer processing device 11 and transmitted to the host 10. In addition,
The host 10 transmits the received money transfer slip to each branch or the like by destination.

As described above, since the fund transfer slip for transferring funds to each branch can be automatically created at the center, the processing for transferring funds conventionally performed at each branch and the center can be performed. It is no longer necessary to check the replaced amount of money. Therefore, for example, it is possible to shorten the processing time of 5 to 10 minutes per branch.
In addition, it is possible to prevent work mistakes.

Furthermore, since the transfer card is automatically issued based on the slip data processed by the center and the transfer card need not be issued at the branch office, for example, about 30 seconds per transfer card. The efficiency of processing can be improved. In addition, it is possible to eliminate the occurrence of inconsistency between the transfer data and the contents of the transfer card to be issued.

§6: Description of aggregation process and fund transfer process--see FIG. 6 FIG. 6 is a flowchart of the aggregation process and fund transfer process. Hereinafter, the aggregation process and the fund transfer process performed in the center will be described with reference to FIG. Note that S21 to S36 indicate each processing step.

When the slip processing is completed at the center (S2
1), the operator activates the tallying process on any of the processing terminals of the processing terminal device 13 (S22). Then, a total data creation instruction is sent from the processing terminal to the transfer processing device 11, and the transfer processing device 11 creates total data (S23).

After that, the operator activates the fund transfer slip creating process on the processing terminal (S24), and reads the fund transfer condition data from the transfer processing device 11 (S25). And
The operator of the processing terminal determines whether or not the fund transfer condition data has been set (S30). As a result, if the fund transfer condition data is not set, a message indicating that the fund transfer condition is not set is displayed on the screen of the display device (S26).

Next, the operator activates the fund transfer condition setting process on the processing terminal (S27), performs the fund transfer condition setting process, and ends the process (S28). Then, when the fund transfer condition data is sent from the processing terminal to the transfer processing device 11, the transfer processing device 11 updates the corresponding fund transfer condition data file 31 (S29) and repeats the process from S24.

If it is determined in the process of S30 that the fund transfer condition data has been set, it is determined whether or not the aggregate data has been created (S31). As a result, if the aggregated data has not been created, a message for which aggregated data has not been created is displayed on the screen of the processing terminal (S32), and the process from S22 is repeated. However, in the process of S31, when it is determined that the aggregate data has been created, the target branch number is set to 1 (first branch number = 1 is set) (S3
3) The fund transfer slip creation process (details will be described later) is performed (S34).

After the processing of S34, the target branch number is incremented by 1 (branch number is incremented) (S35), and the processing of S34 is repeated until the processing of all branches is completed (S36). When the processing of all the branches is completed in this way, all the processing is ended.

§7: Explanation of fund transfer slip creation processing ...
See FIG. 7. FIG. 7 is a flowchart of the fund transfer slip creation process. Hereinafter, based on FIG. 7, the fund transfer slip creation process (S34 above)
(Detailed processing of) will be described. In addition, S41 to S47 indicate each processing step.

First, when the fund transfer slip creation process is started in the processing terminal, the aggregate data of the processing target branch is read from the transfer processing device 11 (S42). Then, based on the aggregated data and the fund transfer condition data, the number and amount of funds transferred from the center to the branch and from the branch to the center are calculated (S
43), it is determined whether the amount of money transferred from the center to the branch is 0 yen (S44).

As a result, if the amount of money to be transferred from the center to the branch is not 0 yen, a money transfer slip is created and stored in the transfer processing device 11 as a host transmission wait (S45). In this case, the fund transfer slip stored as a transmission wait is then transmitted to the host 10 by the transfer processing device 11. The money transfer slip is not electronic data printed on paper but electronic data including only code data.

Further, the amount of money transferred from the center to the branch is 0.
If it is a circle, the process of S45 is not performed. Next, it is determined whether the amount of money transferred from the branch to the center is 0 yen (S4
6) If it is not 0 yen, a fund transfer slip is created and stored in the transfer processing device 11 as waiting for host transmission (S4).
7). If the amount of money transferred from the branch to the center is 0 yen, the process of S47 is not performed. When the above process is completed, the process for creating the fund transfer slip is ended.

§8: Description of example of transfer request form ... See FIGS. 8 and 9. FIG. 8 shows an example 1 of transfer request and FIG. 9 shows an example 2 of transfer request.
When a customer makes a transfer at a bank branch, fill out the required items on the transfer request form. As a transfer request form used in this case, for example, there is a transfer request form example 1 shown in FIG. In the transfer request example 1, the specified transfer date, handling, outside the amount of money,
There are columns for entering information about the client and the recipient.
Note that this transfer request form example 1 is used only for normal transfer.

Further, in the transfer request form example 2 shown in FIG. 9, a transfer card issuance required field is provided in a part of the transfer request form, and the transfer card is required to be issued by marking the mark field. Is an example of a transfer request form showing. By the way, the transfer card is not issued for all the slips to be transferred, but may be issued only when the end user of the transfer end users needs it.

Therefore, only the transfer is performed or the transfer is performed,
In addition, a means for determining whether to issue a transfer card is required. Therefore, as shown in FIG. 9, a mark field for issuing a transfer card is provided in a part of the transfer request form, and when the transfer card is required to be issued outside the transfer, a mark is added to the mark field. By doing so.

When the transfer is made using the transfer request example 2, the slip data is FAX-transmitted from the branch to the center. Therefore, the center sends the slip data to the FAX.
Upon reception, it is determined that the transfer card is required to be issued if there is a mark in the mark field, and that the transfer card is not required to be issued if there is no mark in the mark field. When the transfer card is required, the center automatically issues the transfer card based on the information in the slip data.

§9: Description of example of transfer / transfer card issuance request form ... See FIG. 10. FIG. 10 is an example of transfer / transfer card issuance request form. The illustrated example of the transfer and transfer card issuance request form is an example of a request form in which the transfer request and the transfer card issuance request can be simultaneously entered in one request form.

In this transfer / transfer card issuance request form example, the request form code number is 0201, which is different from the request form code numbers 0101 of the transfer request form examples 1 and 2 and can be distinguished by this code number. It has become. That is, in addition to the normal transfer request form, a transfer / transfer card issuance request form is prepared separately, and when the transfer card needs to be issued, the transfer / transfer card issuance request form is used for processing.

In this way, when the customer requests to each branch using the transfer and transfer card issuance request form, if the slip data is faxed to the center, the fax is sent to the center. It can be determined from the request form code number of the received slip data that the transfer card needs to be issued. Therefore, the transfer card can be automatically issued based on the slip data.

§10: Description of aggregate data format example ... See FIGS. 11 and 12. FIG. 11 is an aggregate data format example 1, and FIG. 12 is an aggregate data format example 2. The aggregated data is shown in FIG.
1 or the data shown in FIG. 12 are tabulated, but these data formats have substantially the same contents.

As shown in the figure, in the aggregate data format examples 1 and 2, A is a branch, B is a transfer item, C is a transfer designated date, D is handling, E is a destination type, F is the number of cases, and each column of amount of money. Is. Then, the classification of the totals is each item of the branch of A, the transfer item of B, the designated date of transfer of C, the handling of D, and the destination type of E, depending on the contents of the slip data FAX-transmitted from the branch to the center. Total the number of cases and amount.

In this case, the classification according to the destination type is made by comparing the destination financial institution and branch of the transfer with the financial institution where the exchange data is generated and the branch, and a: destination financial institution ≠ source financial institution, etc. Row: b: destination financial institution = source financial institution and destination branch = source branch, c: destination financial institution = source financial institution, destination branch ≠ source branch The case is classified as a bureau.

[0100] The transfer items mentioned above were
There are classification items of Sakifuri, Kiyo, Kiyo 2, Shiritate 0 yen, Sawkin, Tritate, Futari, Seiki, Sakisei, Satsuki, Unaso and Koso.

§11: Description of example of money transfer condition data format--see FIG. 13 FIG. 13 is an example of a fund transfer condition data format. The fund transfer condition data format has a content similar to that of the aggregate data format. That is, in the format of the fund transfer condition data, B is a transfer item, C is a transfer designated date, D is handling, E is a destination type, and G is a condition column. And, in the condition column,
Each condition is to be entered. The above-mentioned conditions indicate that the funds are transferred from the center to the branch, indicate that the funds are transferred from the branch to the center, and indicate that the funds are not transferred.

In the above example, the combination of (transfer item, specified transfer date, handling, destination type) is
Since the conditions for the aggregated data of (the day, the telegraph, another bank) and (fricomi, the day, the telegraph, own store) are conditions, the funds are transferred from the center to the branch.

Further, the aggregated data of (Fricom, the day, telegraph, bureau store) and (Fricom, the day, document, other bank) are subject to the transfer of funds from the branch to the center because of the condition. Furthermore, the aggregated data of (Fricom, the day, documents, own store) and (Fricom, the day, documents, bureau) are not subject to the transfer of funds because the conditions are met.

By the way, in the case of creating the cash transfer slip as described above, if the cash transfer condition corresponding to each column (field) of the aggregated data is set, the cash transfer from the center to the branch is considered. , Is set, the total number of transfers and the amount of money are calculated as the transfer of funds from the branch to the center.

§12: Description of example of fund transfer slip format--see FIG. 14 FIG. 14 is an example of a fund transfer slip format. Fund transfer slips (telegram data) include receiving safes / stores, outgoing safes /
Various information columns such as store, date of handling, item, amount, number / recipient, client, etc. are provided, and necessary information is written in each of these columns to create a fund transfer slip. In this case, the "item" column of varies depending on the direction of fund transfer. When the direction of fund transfer is from the center to the branch, it is set to "Takekae", and when the branch to the center is set to "Seikiu".

[0106]

As described above, the present invention has the following effects. (1): Since the center carries out the fund transfer processing that accompanies the slip data, it is possible to eliminate the conventional preparation and processing of the slip for the replacement at the branch. Therefore, the fund transfer process can be performed easily and without fail.

(2): Since the center transmits the slip data and the transfer card issuance in conjunction with each other, the processing for transmitting the slip data and issuing the transfer card at the branch is not required, which is efficient. Currency processing can be performed. Further, by performing the currency exchange processing collectively at the center, it is possible to eliminate the error that the actual transfer data and the contents of the transfer card are different.

(3): Since the center can automatically create a fund transfer slip for transferring funds to each branch, the processing for transferring funds that was conventionally performed at each branch and the replacement at the center There is no need to check the amount of money given. Therefore, for example, 5 minutes per branch
A processing time of 10 minutes can be shortened. In addition, it is possible to prevent work mistakes.

(4): Since the transfer card is automatically issued based on the slip data processed at the center and the transfer card need not be issued at the branch office, for example, about 30 transfer cards per transfer card The processing efficiency of seconds can be improved. In addition, it is possible to eliminate the occurrence of inconsistency between the transfer data and the contents of the transfer card to be issued.

(5): In the center, based on the slip data received from each branch, centralized exchange processing such as tabulation processing of the slip data, fund transfer processing, fund transfer slip creation processing, etc. It is possible to reduce the exchange processing performed at the branch and improve the efficiency of the exchange processing. Further, by automatically issuing the transfer card at the center using the processed slip data, it is possible to eliminate the transfer card issuing process at each branch and reduce the burden on the operator.

In addition to the effects described above, the following effects are obtained corresponding to each claim. (6): In claim 1, based on the file device in the exchange centralized processing device, the aggregation processing means for aggregating the slip data of the file device for each branch to create aggregate data, and the aggregate data for each branch A fund transfer slip creation processing means is provided for carrying out fund transfer processing for each branch and creating fund transfer slip data for fund transfer.

Therefore, since the fund transfer processing that accompanies the slip data is performed by the central processing means of the center, the fund transfer slip preparation processing means, etc., the preparation of the slip for replacement at the branch, which has been performed conventionally, And processing can be eliminated. Therefore, the fund transfer process can be performed easily and without fail. In addition, the efficiency of currency exchange processing can be improved by reducing the currency exchange processing conventionally performed at each branch.

(7): In claim 2, when the aggregate processing means creates aggregated data for each branch, as a classification item of the aggregated data, a transfer item, a designated transfer date, a handling, and a destination type Each item is set and classified according to the item to create aggregate data. Therefore, the center can perform the aggregation process for all the classification items, which has been conventionally performed at each branch, so that the exchange process at each branch can be reduced and the efficiency of the exchange process can be improved.

(8): In claim 3, a card issuing data creating processing means for reading the voucher data of the transaction requiring the issuing of the transfer card from the voucher data of the file device and creating the transfer card issuing data, and the card. A transfer card issuing machine for issuing a transfer card based on the data output from the issued data creation processing means is provided.

Therefore, the processing for issuing the transfer card at the branch becomes unnecessary, and the exchange processing can be performed efficiently. Further, by performing the processing collectively at the center, it is possible to eliminate the error that the actual transfer data and the contents of the transfer card are different.

(9): In claim 4, the card issuance data creation processing means determines whether or not the transaction requires issuance of the transfer card based on the necessity / unnecessity information of the transfer card issuance included in the slip data. It has a judgment function. Therefore, by including necessary / unnecessary information for issuing a transfer card in the slip data generated at each branch, the center side can easily determine whether or not the transfer card is required to be issued.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating the principle of the present invention.

FIG. 2 is a system configuration diagram in the embodiment.

FIG. 3 is a block diagram of a centralized exchange processing apparatus in the embodiment.

FIG. 4 is an explanatory diagram of currency exchange processing according to the embodiment.

FIG. 5 is a processing flowchart on the side of the center in the embodiment.

FIG. 6 is a flowchart of an aggregation process and a fund transfer process according to the embodiment.

FIG. 7 is a flowchart of a fund transfer slip creating process according to the embodiment.

FIG. 8 is a transfer request form example 1 in the embodiment.

FIG. 9 is a transfer request example 2 according to the embodiment.

FIG. 10 is an example of a transfer / transfer card issuance request form according to the embodiment.

FIG. 11 is a total data format example 1 in the embodiment.

FIG. 12 is a summary data format example 2 in the embodiment.

FIG. 13 is an example of a fund transfer condition data format in the embodiment.

FIG. 14 is an example of a fund transfer slip format according to the embodiment.

FIG. 15 is an explanatory diagram of a conventional currency exchange process.

FIG. 16 is a conventional example of aggregated data / example of fund transfer management ledger.

FIG. 17 is a conventional transcription example 1 / transcription example 2.

FIG. 18 is a conventional transcription example 3 / transcription example 4;

FIG. 19 is a conventional transcription example 5;

FIG. 20 is an example of a conventional fund transfer slip.

[Explanation of symbols]

 1 Host Transmission Unit 2 Data Output Unit 3 File Control Unit 4 Card Issue Data Creation Processing Unit 5 Fund Transfer Condition Processing Unit 6 Aggregation Processing Unit 7 Fund Transfer Voucher Creation Processing Unit 10 Host 11 Transfer Processing Device 12 FAX 13 Processing Terminal Device 14 Transfer Card issuing machine 15 Transfer card 20 Recognition unit 21 Receiving memory 22 File input unit 23 Business processing unit 24 File search unit 25 File updating unit 26 Disk device 27 Disk file

Claims (4)

[Claims] 1. A centralized currency exchange processing apparatus installed in the center of a system for centrally processing slip data generated at each branch of a financial institution, the file device storing slip data received from each branch. And an aggregation processing means for aggregating slip data stored in the file device for each branch to create aggregate data, and a money transfer process for each branch based on the aggregate data for each branch to transfer funds. Centralized currency exchange processing apparatus comprising a fund transfer slip creation processing means for creating fund transfer slip data for the. 2. The aggregate processing means, when creating aggregate data for each branch, sets items such as a transfer item, a designated transfer date, a handling, and a destination type as classification items of the aggregate data. 2. The centralized currency exchange processing apparatus according to claim 1, further comprising a function of classifying each item and creating aggregate data. 3. From the chit data of the file device,
Read the voucher data for transactions that require a transfer card to be issued,
A card issuing data creation processing means for converting the slip data into a data format for issuing a transfer card and creating a transfer card issuing data, and issuing a transfer card based on the data output from the card issuing data creation processing means. 2. The centralized exchange processing apparatus according to claim 1, further comprising a transfer card issuing machine. 4. The card issuance data creation processing means has a function of determining whether or not the transaction requires issuance of a transfer card, based on the necessity / unnecessity information of the transfer card issuance included in the slip data. The centralized currency exchange processing apparatus according to claim 3, wherein