JPH1139413A - Transaction data acceptance system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce data input mistakes and also to reduce the burden of a clerk in charge by utilizing unofficial transaction request paper data that are inputted by a customer and obtaining transaction data in a routine format through its conversion processing. SOLUTION: A customer carries a floppy-disk 20 to which unofficial transaction request paper data 25 are inputted and a FD transfer application blank 21 to a business shop. The business shop performs character recognition of the image of the blank 21 and gets data such as the client code and the client name. A data conversion processing part 28 extracts necessary transfer data from the data 25, utilizes supplementary data taken from the blank 21 and produces transfer data 29 in a format available to all banks.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction data receiving system for efficiently processing a transfer request received from a customer, for example, in a centralized exchange processing system of a financial institution.

[0002]

2. Description of the Related Art In a financial institution, a centralized exchange processing system is used in order to efficiently process a transfer request received from a customer and transmit it to a host computer.
In this system, a transfer request written by a customer is read as image data, and the written characters are recognized to generate predetermined transfer request data, which is sent to the center. The center confirms the content, corrects and verifies it, and sends it to the host computer. Thus, at many branches,
By centrally verifying and processing the contents of the accepted transfer request form at the center, a large number of transfer requests are efficiently processed.

[0003]

However, the conventional system as described above has the following problems to be solved. When a company transfers the employee's salary or bonus to the employee's account, the company submits a transfer request form in which the necessary items are filled out to a financial institution branch. In a branch of a financial institution, a person in charge of exchange processing makes a key entry based on a list created by the company, generates exchange data, and transmits it to the host computer via the center. However, the task of accurately performing data entry for currency exchange processing based on a list created by a company has placed a heavy burden on staff. In addition, long hours of work are required for data entry, which has been an obstacle to improving office work efficiency. Further, there is a problem that if there is a mistake in the data entry work, a false transmission or a currency exchange accident occurs, which also affects operational safety.

[0004]

The present invention employs the following structure to solve the above problems. <Structure 1> Request form input section for inputting computerized private transaction request data, and replenishment data input for inputting supplementary data that is necessary for the transaction and is not included in the transaction request form data And data to extract necessary items for the transaction from the transaction request form data input from the request form input section, combine with the supplementary data input from the supplementary data input section, and convert the data into transaction data in a fixed format. A transaction data receiving system, comprising: a conversion processing unit; and a transmission control unit that transmits data in a fixed format output from the data conversion processing unit to a host computer.

<Structure 2> A request form input section for inputting digitized private transaction request form data, and replenishment data which are necessary for the transaction and which are not included in the transaction request form data are entered. A supplementary data input unit that reads supplementary data in the application form, recognizes characters, and converts it into digitized data;
From the transaction request form data input from the request form input section,
A data conversion processing unit that extracts items necessary for the transaction, combines it with the supplementary data input from the supplementary data input unit, and converts it into transaction data in a fixed format, and transaction data in a fixed format output by the data conversion processing unit And a transmission control unit for transmitting the transaction data to the host computer.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below using specific examples. <Specific Example> FIG. 1 is a functional block diagram of a transaction data receiving system according to the present invention. This system is adopted, for example, in a centralized exchange processing system of a financial institution. Therefore,
The general configuration of a conventional general exchange centralized processing system will be described in advance. FIG. 2 shows a block diagram of a conventional exchange centralized processing system in a financial institution. In the figure, a branch 1 such as a bank is connected to a centralized center 3 via a network 2 such as a public line. In this system, the transfer request received by the business office 1 is processed by the centralized center 3, and the created exchange data is transmitted to the host computer 4.

The sales office 1 accepts a transfer request form 5 written by a customer and recognizes a character written from the image data. A character recognition device 6 and an OCR client that generates transfer request data from the recognition result 7 are provided. The centralized center 3 is provided with servers and workstations interconnected by a LAN (local area network) 11. In this figure, a facsimile (facsimile) server 12, a file server 13, a character recognition unit server 15, a character recognition unit (CRU) 16, a correction client 17, a verification client 18, and a communication gateway (GW) 19 are provided.

[0008] The facsimile server 12 is a part that, when the transfer request form 5 is transmitted as a facsimile image from the business office 1, this is received by the facsimile receiver. The file server 13 stores the sales office 1 in the database (DB) 14.
It is a part that has a role to record the data input from the, save it, and use it for the subsequent processing. CRU server 15
When a transfer request form is transmitted as a facsimile image from the sales office 1, a portion for performing processing for recognizing characters written therein and converting the characters into character data.

The correction client 17 displays the received facsimile image and character data obtained as a result of the recognition process side by side on a display in order to generate exchange data to be transmitted to the host computer 4, and corrects the result. Workstation.
The verification client 18 is a workstation for judging the validity of the corrected exchange data and performing verification. The communication gateway 19 modifies,
This is a part for performing processing of transmitting the verified exchange data to the host computer 4.

In the centralized exchange processing system as described above,
When the transfer request form 5 is created in the standard form, the transfer request form 5 is automatically subjected to character recognition processing to generate transfer data. However, when a private transfer request form created by a company is brought into the sales office 1, it has conventionally been necessary for a clerk to perform data entry using a keyboard while viewing the contents. In the system of the present invention, the user is allowed to bring in a floppy disk to which a transaction request form data such as a private transfer is input from a company, and necessary transaction data is extracted from the data in the floppy disk to reduce the data entry burden on the attendant. .

FIG. 1 shows the system, in which a person in charge of a company inputs privately-made transaction request data into a floppy disk 20, and furthermore, inputs a FD transfer application form 2 in a requested form.
Enter 1. The FD transfer application form 21 has a format for inputting data that is insufficient with only the data input to the floppy disk 20, such as supplementary data such as a client code, a client name, and a total transfer amount. The floppy disk 20 is read by a workstation 22 provided in a sales office. The FD transfer application form 21 is subjected to image reading processing by the scanner 23.
This scanner 23 is called a supplementary data input unit in the present invention.

The storage section of the workstation 22 is provided with a storage area for storing private transaction request data 25 read from the floppy disk 20. Also, the workstation 22 has a character recognition processing unit 2 that cuts out characters in a predetermined area from the image of the FD transfer application form 21 read by the scanner 23 and recognizes the characters.
6 are provided. The character recognition processing unit 26 is composed of well-known application software or the like that recognizes a specified character from image data and converts the character into character data.

The supplementary data 27 obtained in this way includes, for example, a client code and a client name. This is also stored in the storage unit of the workstation 22. In addition,
In the private transaction request data 25, for example, a bank name, an account, an account number, a recipient, and the like are assumed to be input in a free format determined by the customer. By referring to the private transaction request form data 25 and the supplementary data 27, a predetermined data conversion process is performed, and transfer data 29 in a Zengin format, which is transaction data in a standard format, is generated. For this purpose, a data conversion processing unit 28 is provided. The data conversion processing unit 28 is configured by application software or the like that performs data conversion processing in a manner described later. The transfer data 29 in the whole silver format thus obtained is transmitted to the host computer 4 via the center 3 under the control of the transmission control unit 30. The above is the schematic configuration and operation of the system according to the present invention.

FIG. 3 is a diagram illustrating an example of the FD transfer application form 21. As shown in the figure, data such as a client code, a file name, a client name, a transfer type, a total number of cases, and a total amount are entered in the FD transfer application form 21 by handwriting. This FD transfer application form is set in a certain form, and the form is, for example, “12” written in the upper right corner.
3 ". The character recognition device 6 of the office 1 shown in FIG. 2 cuts out a character from a corresponding place and recognizes it as data of a corresponding item. This is converted to character data.

The client code in the FD transfer application form 21 is composed of numbers, symbols, etc. for specifying the client. The file name indicates the file name of the private transaction request data written on the floppy disk brought by the client. Normally, in many cases, private transaction request data created by a company using a word processor or the like does not include items such as a client code, a transfer type, and a total number. Therefore, entry of such an FD transfer application form is requested and used as supplementary data for generating final transfer data. When a centralized exchange management system is employed, each office has a character recognition device 6, and these are used effectively to input data. Therefore, for example, when the office does not have a character recognition device, a method may be adopted in which a customer submits a form in which necessary information is entered, and a clerk inputs data on the item using a keyboard or the like. .

FIG. 4 is an explanatory diagram of the data conversion processing operation. As described above, after the private transaction request data and the supplementary data are input to the workstation of the branch office, the data conversion processing unit 28 shown in FIG. 1 performs the procedure shown in FIG. Performs conversion to transaction data. FIG. 4A is an explanatory diagram of processing when text format data is input.

In FIG. 4A, data 3 in text format is
Processing when 1 is input will be described. When the request form data is input as text data, items required for recognizing the item names are always input as title lines in the request form. As shown in this figure, by reading the text data line by line and recognizing the item names entered therein, it is possible to determine what data is entered in which part. First, in step S1, an item name is extracted, and in step S2, a data entry position for each item is determined.

For example, as shown in the figure, it is assumed that an item name "bank name" is entered starting from the fourth character from the top of one line. Further, it is assumed that an item name "subject" is entered starting from the tenth character. In this case, it is determined that items corresponding to “bank name” and “subject” are arranged in a region located below each item and separated by a dashed line in the figure (step S2). When reading the data of the second and subsequent lines based on this determination result, the data is cut and separated from the corresponding entry position (step S3). Then, data corresponding to each item is extracted from the separated data (step S4).
The same applies to other items. In some cases, the customer enters the item name with a name different from the item name used in the financial institution. For example, there is a case where a document is created by expressing an item name such as a bank name in the form of a bank name. If a dictionary of homonyms is prepared for such a case, the item names can be easily extracted.

FIG. 2B is a diagram for explaining processing of tabular data. A spreadsheet database widely used in general is frequently used for inputting such item data. When the customer brings such data, the data may be converted into text data and processed, but it is easier to extract the data if the data is processed in the form of tabular data. In this case, a column of data is recognized, and an item name in the column is extracted (step S1). Then, the entry column for each item is determined (step S2). Thereafter, data may be extracted from each column in order (step S3).

In this manner, necessary items and data can be automatically extracted from a private transfer request created by a customer. In addition to the case of automatically extracting the item name as described above, a staff member can manually operate the method by, for example, displaying a transfer request form created by a customer on a display and specifying necessary items using a mouse. Can also specify the item name. If the place where the data corresponding to the item is entered is determined in this way, then the data can be automatically taken in and processed.
Therefore, also in this case, the burden on the staff is sufficiently reduced.
The result of such data conversion processing is output by a display or a printer, and a clerk or customer is asked to confirm the content.

FIGS. 5 and 6 show the operation procedure of such a series of FD transfer processing. The window W shown in the upper left of FIG.
Reference numeral 1 denotes a menu screen for performing all currency exchange operations.
In this menu, select the FD transmission item and
Transfer processing is started. When the item "FD transmission" is selected, a window W2 is displayed next. This window W2 is a window for starting the operation of reading the image of the FD transfer application form shown in FIG. 3 by the character recognition device.

In the window, there is a button labeled "Read" to start reading. When this button is clicked, the image of the character portion of the FD transfer application form and the result of converting it to character data are displayed side by side. This is the window W3. Regarding the client code, the client name, etc., the read image is displayed in the hatched portions, and the character data after the conversion process is displayed immediately below the hatched portions. The attendant adds necessary corrections to the character data portion while viewing the result, and completes the data. This becomes supplementary data.

When the processing is completed, the completion button in the window W3 is clicked. The window W4 is displayed in this manner, and a comment such as “Please set the FD storing the transfer request form in the FD drive” is displayed.
The attendant sets the floppy disk in the drive and clicks the read start button.

FIG. 6 shows the window W5 after the window W4 is clicked, and the procedure of the subsequent data conversion process. The window W5 displays that data is being read. Here, the data conversion processing already described with reference to FIG. 4 is performed. In step S1, the contents of the extracted data are checked. Step S2
Then, various data correction processing for conversion to a fixed format is performed. Then, in step S3, the data conversion processing to the target fixed format ends.
If any abnormality is found by performing the data check, an interruption process is performed in step S4.

Before the data conversion is completed and the data is transmitted to the host via the center, a process for once confirming the contents is performed. In that case, the following statement is output. FIG. 7 shows an example explanatory diagram of the content confirmation slip. The data conversion processing unit 28 shown in FIG. 1 accepts private transaction request data 25 and supplementary data 27, edits the data, and outputs a statement for content confirmation as shown in FIG. This is displayed on a screen or printed on printing paper. The customer or attendant checks the contents and determines whether there is an error in the data or an editing error. When it is determined that the data has been input correctly, the data is used to generate exchange rate data in a total silver format to be sent to the host computer and transmitted to the center.

In the above example, the company making the transfer request inputs the private transfer request form data to a floppy disk and brings it. However, as the storage medium, various media widely used other than the floppy desk can be used. Alternatively, the data may be sent to the branch office by means of communicating electronic data via a network such as electronic mail. Of course, the contents of the request may be various kinds of transaction requests other than the transfer request. Further, the private transaction request form and the like may be data in any format other than the fixed format. Further, when the private transaction request data is transmitted by e-mail or the like, the FD transfer application form may be transmitted to the business office by facsimile or the like. Further, the supplementary data may be stored as character data in a separate file and brought to a branch office.

[0027]

According to the system of the present invention described above, a client who makes a transfer request or the like uses privately-made transaction request data created in a free format, and replaces missing supplementary data in the data. Since transaction data in a fixed format can be generated simply by inputting separately, the data entry burden on the attendant can be reduced. In addition, input errors and the like due to data entry work can be prevented, and the processing time of various kinds of transaction processing such as exchange processing can be greatly reduced. Also, in the centralized exchange control system, the character recognition device used for the form recognition processing performs recognition processing of the FD transfer application form and the like, and inputs a necessary supplementary data. This is unnecessary, and the burden on the staff can be further reduced.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of a transaction data receiving system according to the present invention.

FIG. 2 is a block diagram of a centralized exchange processing system.

FIG. 3 is an explanatory diagram of an example of an FD transfer application form.

FIG. 4 is an explanatory diagram of a data conversion processing operation.

FIG. 5 is an operation procedure (part 1) of the FD transfer processing.

FIG. 6 is an operation procedure (part 2) of the FD transfer processing.

FIG. 7 is an explanatory diagram of an example of a content confirmation statement slip.

[Explanation of symbols]

 3 Center 4 Host Computer 20 Floppy Desk 21 FD Transfer Application Form 22 Workstation 23 Scanner 25 Private Transaction Request Data 26 Character Recognition Processing Unit 27 Replenishment Data 28 Data Conversion Processing Unit 29 Zengin Format Transfer Data 30 Transmission Control Unit

Claims (2)

[Claims] 1. A request input unit for inputting computerized private transaction request data, and replenishment data for inputting supplementary data that is necessary for a transaction and is not included in the transaction request data. An input unit, from the transaction request data input from the request input unit,
A data conversion processing unit that extracts items necessary for the transaction, combines the data with the supplementary data input from the supplementary data input unit, and converts the data into transaction data in a fixed format, and converts the data in the fixed format output from the data conversion processing unit. A transaction data receiving system, comprising: a transmission control unit that transmits the transaction data to a host computer. 2. A request form input section for inputting digitized private transaction request form data, and an application form in which supplementary data required for the transaction and not included in the transaction form data are entered. A supplementary data input unit for reading and recognizing characters in the supplementary data and converting it to electronic data, from the transaction request data input from the request input unit,
A data conversion processing unit that extracts items necessary for the transaction, combines the data with the supplementary data input from the supplementary data input unit, and converts the data into transaction data in a fixed format; and transaction data in a fixed format output by the data conversion processing unit. And a transmission control unit for transmitting the transaction data to the host computer.