JPS5868179A - Data transmission system of transaction processor - Google Patents

Abstract

PURPOSE:To shorten the communication time of a transaction processor and to realize reverse update, by adding report data on a last transaction result to data on current transaction, and performing transmission to a main controller during the communication of the data on the current transaction. CONSTITUTION:For every transaction, a telegraphic message is transmitted from terminal equipment 10 to a center 30, and this telegraphic message consists of a transaction telegraphic message TEXT1 containing current transaction data and a report telegraphic message TEXT2 containing last report data and fault data; the telegraphic message TEXT1 contains discriminating codes ID1-ID3 together with the code of a starting character STX, etc. The code ID1 shows that the last transaction data need be updated reversely and when ID1=1, an indication for restoring a file 32 to a state before the transaction is sent to the center 30 because the transaction is incomplete owing to a fault of the terminal equipment 10 after the file 32 of the center 30 is updated as a result of the transaction. An ID2 shows whether a fault occurs when the last transaction is completed, and the telegraphic message TEXT2 contains various data on the transacted amount of money, etc., during the 1st transaction.

Description

[Detailed Description of the Invention] This invention connects a plurality of transaction terminals with a main control device or transmission circuit that controls them and is equipped with a transaction file.
The present invention relates to a transaction processing device in which transaction data for each transaction in each terminal is transmitted to a main controller, and corresponding transaction files and data in the main controller are updated.

One example of this type of transaction processing device is a GinRJ transaction processing device installed in financial industries and the like. At branches of each bank, terminals such as automatic teller machines, automatic teller machines, and automatic teller machines are installed, and these terminals are controlled by a control center. The center is provided with a customer-specific information file (hereinafter referred to as the "center file") that stores transaction data such as the name, account number, and balance for each user. ! f? ! When the data necessary for a transaction is input by the terminal user to the terminal, the transaction data is transmitted to the center. The center refers to the center file to determine whether the transaction is possible, and if the transaction is possible, the balance of the corresponding account is updated, and the corresponding information and necessary transaction data are provided. sent to the wooden fence. Thereafter, at fi+1 Sueiso, processing such as discharging withdrawn cash, storing deposited cash, returning cards, bankbooks, etc., and issuing receipts is performed.

However, failures such as jams in media such as cash, cards, bankbooks, receipts, etc. may occur, and transaction processing after communication with the center may not be completed normally. If an error occurs in receiving the message transmitted from the center, post-processing of the transaction is completely impossible. However, since the center file has already been updated, if the transaction is not completed normally, it is necessary to return the data of the corresponding account in the center file to the state before the transaction (before the update). Traditionally, each time a transaction was not successfully completed,
Send transaction result report data from the terminal to the center,
The contents of the center file are returned to the state before the transaction. This is called reverse update. In addition, in order to centrally monitor media outages, forecasts, line errors, etc. in each terminal, the terminal status may be sent to the center for each transaction.

Conventionally, such transaction result report data and data regarding the status of the terminal were sent from the terminal to the center after the transaction processing was completed. l!
There was a problem in that it took a long time of 113 minutes to complete. In particular, the center polls and interacts with each terminal;
In a polling system that starts N, after communication with the center regarding transaction data has ended, it is attempted to restart communication of report data, etc. (-1, polling from the center takes extra time. This is especially true when there are a large number of F1A US machines.And the terminal cannot proceed to the operations necessary for the next transaction until all communications have been completed.

This invention was made in view of the actual situation,
To provide a data transmission method in a transaction processing device that can shorten the communication time required for one transaction even when it is necessary to reverse update a center file, and can improve the operating efficiency of a terminal device. It is.

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

FIG. 1 shows the internal configuration of the transaction processing device. In this figure, there are multiple terminals and
The controller (not shown) is connected to the terminal
A plurality of yM Sueki crosspieces 10) are further connected to the controller. A terminal controller is provided at each branch of a bank, for example, and communicates with the center C301 via each 'J:fa terminal controller (Kawaki san terminal controller).

An automatic teller machine is shown as the terminal (10). The communication control method in this embodiment is a polling Φ selection method, which will be described later.

The terminal (10) is controlled by a central processing unit (hereinafter referred to as CPU) [11] with 4if+ of memo IJs.

CPU (II+ includes a customer service control device +13+ that controls the information display provided on the customer service surface, numeric keypad, etc.)
A card reader (14) that reads data magnetically recorded on cards; a slip issuing machine (15) that prints transaction data on receipts and journals; A banknote ejection machine (IGI, passbook printing II f17 that prints transaction data such as deposited amount, withdrawal amount, and balance amount in the tilI book), a pill checker T19+ that determines the type and authenticity of the banknotes inserted for deposit. , and a communication control device (19) that controls communication with the center (30). The memo IJ (12) stores an execution program for transaction processing, and is provided with areas for storing various transaction data. The communication control device (19) includes a circuit for checking transmission errors such as a parity check.

The center (CPU i31+, which determines whether a transaction is possible or not and controls all transaction processing, and the center, which stores transaction data such as the name, account number, and balance for each user)
A transaction journal (not shown) is provided for recording transaction data that records the files +32+, failures that occur in each terminal (10) and their recovery, and other data necessary for creating statistical data. Communication between the communication control device (30) and the transaction processing device (10)
3) and modem (34) (21+).

FIG. 2 shows the format of the input message transmitted from the terminal 1 (10) to the center (30) for each transaction. The message is a transaction message (T
EXTI) and a report message (TEXT2) that does not represent the previous report data and fault data.

Transaction message (TEXTI, l is the start character (STX),
Station address (SA, ), terminal address (UA), transmission number (TRNO), branch number (BRNO), identification code CIDI) ~ (ID3)
), magnetic field (C card data, transaction amount, transaction date, and PIN code entered by the W1 customer). The start character (STX) indicates the beginning of the message. The station address (SA) is the terminal controller's address history, and the transmission number (cTRNO) is a number assigned to each transaction and is updated for each transaction. Branch number (
B RNO) is a number indicating each branch of the bank. Magnetic card data includes bank codes, pin numbers, account numbers, etc. Discrimination code CI D 1. )～(I
D3) indicates whether or not the previous transaction was carried out normally, the type of transaction, opening of the transaction, request for closing of the transaction, etc., and the details thereof are shown in FIG. IDl and ID2 indicate the content related to the previous transaction, and ID3 indicates the content related to the current transaction. IDI is the previous take i'! l rr 〆)+,z bu :MTIT'
/to? 2; x, 7 mrrt, +
t I・' -, -represents l)'
If j transactions are completed and reverse update is not necessary, I
): t = 0, and if the previous transaction was unsuccessful and the total history υ1 is required, I D l = 1. Reverse update and (2) the input message containing the data necessary for the transaction input by the customer is transmitted from the transaction terminal (10) to the center (to), and the center file (side of the center (2)) is updated. Later, when some abnormality occurs in the transaction terminal (101 and the transaction is not completed, the corresponding data in the center file G2) is returned to the state before the transaction (before the update).Reverse update Abnormalities that require this include a reception error in the output message transmitted from the center (7), an error in the transportation of payment bills, etc. Even if there is a bill transportation error, the transaction can be completed if the staff member hands the payment bill to the customer. Since it holds true,
Reverse updating of the center file □□□ is no longer necessary. However, if the clerk forces the Ii customer to redo the transaction without handing over the payment banknotes to the customer, the transaction will not be completed and a reverse update will be necessary. Whether you need a reverse update like this,
This may depend on the operation of the terminal (10).

ID2 indicates the presence or absence of a failure or media outage when the previous transaction was completed, and if there was no failure or media outage in the previous transaction, ID2 = O1. If the media runs out, I
D2=2, and if an error such as a transmission error of the input message occurs before transmission of the input message, ID2=2.

The medium refers to the withdrawal banknotes and receipts stored in the terminal II (101).
This refers to a state in which the banknotes and receipts necessary for a transaction do not remain in the terminal (10).

ID3 represents the type of transaction such as withdrawal, deposit, balance inquiry, and passbook entry, and the subcategory of opening and closing requests for this transaction, and these are 11' to 16'.
It is expressed as a number.

In Figure 2, the report message (TEXT2) is the transaction message (
A group separator (
a S ), +) ii transaction magnetic card data, transmission number (TRNO), transaction amount, transaction [1i, 1, error code, maintenance code, and termination character (EX T
) consists of each field. The error code represents a major classification of media outage and each failure, and the maintenance and code represent these details.

FIG. 4 shows part of the contents of the memo IJ t121. In the memory (12), the transaction message (TEX"r'l
)? -Negative Hundred Ilt-#-ZJ-1-7, MTrnWll
``19m''〆fI1.J+/'u11J+t- and report message area (M
2) is provided. Each of these areas (Ml)
(M2) contains areas (Ml 1 ) to (Ml 1 ) to (
M 112 ) and (M21) to (M2S) are provided.

A report message (TEXT2) is created when some kind of failure or media outage occurs during transaction processing. For each transaction, transmission errors, reception errors, received message format errors, banknote feeding and counting errors, banknote conveyance errors,
Card return errors and out of media are checked,
If any error or media out occurs, the error code and maintenance code for the error or media out, etc. #14-'JW'
Jy r 'r'T;"J'l")
) If, 1 so 萌什；Co-ca 幇 7
1 in the report telegram Elijah (M2) of EIJ (12)
．． The report message (TEXT9) is edited.

Also, due to the above error code and maintenance code, the area for IDi (Ml (i) in the transaction message area (Ml) of Memo IJ (121) is set to もO' or 11', and the area for 1'02 (Ml7 ) is set to '1' or iJ''''2'.

If there is no -1- error or medium out at the end of transaction processing, there is no need to create a report message (TEXT2), so the group message in the report message area (M2) of Memo IJ (+21) is not necessary. The end character (ETX) is set in the area (M21,1) for the separator (GS), and 101 is set in the areas (Ml6) and (M17) for IDI and ID2 in the transaction message area (Ml). .

FIG. 5 shows a transaction processing procedure for payment using a card. Referring to FIG. 5, first, when a card is inserted by a customer, card data is read by a card reader (14) (step (411)).
. Then, it is checked whether the card is legitimate, for example, whether the bank code in the card data matches a predetermined one (step (4)
Wow, if it's not a legitimate card, the card will be returned.

If the inserted card is a legitimate one, the manual input of the password is displayed on the information display, and the customer manually inputs the password (step +43). It is checked whether the entered PIN matches the PIN read from the card (step (44));
If there is no match, the card will be returned. If the two numbers match, a billing amount input guide is displayed, and the customer manually enters the billing amount (step (451)).

It is checked whether the requested amount exceeds the maximum amount that can be withdrawn at one time (step (4[i))
If the limit is exceeded, the card will be returned. If the billed amount is within the limit, the memory port 2 area (M
The transaction message (
TEXTI) is edited (step (471). The input message consisting of the transaction message (TEXTl) edited by Elijah (Ml) and the already edited report message (TEXT2) is sent to the center m+ (step (471). 4g+),
It is checked whether there was an error in this transmission (step (49)). In parallel with this center communication process, the transaction date, etc. is printed on the receipt and journal (
step +521).

At the center (30), the center file (32) is searched based on the [21st seat number] in the transaction data of the transaction message (TEXTl) of the message transmitted from the terminal (10), and the center file (32) is searched. ), and if such an account exists, whether the customer's balance is greater than the requested payment amount, and so on. If there is an applicable account and the customer's balance is greater than the billed amount, the payment is authorized and the center file (3z
The balance of the corresponding account number in [+, z y Wi fEv blue h
? -4: J+ TF++ 71 Most-Conflict (T
If it is searched whether it is necessary to perform a reverse update by the determination code I/CIDI,) in ), the center file ( The account of the previous transaction in 32) is searched, and the balance updated in the previous transaction is sent to the report message
XT2. ) is reverse updated using the transaction amount in ). Furthermore, report messages (TEXT2 error codes, maintenance codes, etc.
be seen. At the same time, an output message including a command to approve or disapprove payment is edited and sent to the I/I!F terminal (1).

When the terminal (10) receives this message (step (5)
0) ), the presence or absence of a reception error is checked (step (
51+), and if there is no reception error, the received message is analyzed (step +531), and the presence or absence of a format error in the received message is checked (step +54+). If there is no format error, it is checked whether there is a payment authorization instruction in the received message (step +551).
If the payment is authorized, the banknotes corresponding to the payment amount are taken out from the storage box and counted (step +56). The presence or absence of banknote feeding and counting errors is checked (step (5)
9], If there is no bill dispensing or counting error, the payment amount and balance will be printed on the receipt and journal (step (5B+). If payment is not permitted in step +551, bill dispensing and counting will be performed. Proceed to step (58) without any error. After printing on the receipt and journal, the fed banknote is conveyed to the banknote discharge port (step +591). The presence or absence of a banknote conveyance error is checked (Stella (60)). If there is no bill conveyance error, the card is returned (step (61)).

62)) If a card return error occurs, the banknotes and receipts are ejected from the banknote membrane 11 (step (63). When the customer pulls out the banknotes and receipts (step (64)), the banknotes and receipts are released from the banknote storage box. A search is made to find out whether the various banknotes have expired or not (step (65)).
fi6)), this transaction will end unless the media runs out. Steps (49), (51), (54), (5η,
If there is an error or media outage in (60), (62) and (6G), a report message (
TEXT2) is created (step (fi?)) and an attendant is called. The subsequent transaction processing is left to the fault handling by the clerk (step (68)).

After the staff performs the fault recovery process, when the reset switch is turned on (step (69)), the terminal (10
) is reset to its initial state (step (70).

6 and 7 show the state of electronic message communication between the center side and the terminal device (10) in transaction processing, FIG. 6 shows the case of this invention, and FIG. 7 shows the conventional case. It shows.

In this embodiment, a polling selection method is adopted as the communication control method. In the polling selection method, from the terminal (10) to the center (30)
When sending data to i (10), the center (30) first polls the terminal (30) to see if there is data to be sent.
If the terminal has no data to send, the terminal (1
0) does not make any response, so the center +30)-6 makes time for transmission to the next terminal (10). f11 end m (101 is the center (3
If there is a message to be sent to Gffi to 0), that message is sent to the center;
) is an acknowledgment code (D T, E A
CK). When the terminal (10) further receives this, it sends an end of transmission (EOT) to the center (30). When sending data from the center (30)! X! j end (
'l (101 reception f(, (4) Selection is made to see if preparation is complete, and when a response (D T, ECK) indicating completion is obtained, data transmission begins. .After this, the acknowledgment code (D L
The exchange between EACK) and end of transmission (EOT) is performed. The transaction message transmission time (T1) for sending the transaction message from the terminal (10) to the center (30), the output message from the center (30) to the terminal (1
0) is assumed to be (T2). In conventional systems, the center file (3
If the reverse update of 2) is required, the report data is sent from the terminal (10) to the center (30) separately from the transmission and reception of the transaction message, so the procedure for transmitting this report data is Report message transmission time [T3] is required. Therefore, in the conventional system, when reverse updating is required, the communication time required for one transaction processing is TI + T
2+T 3. In contrast, in the present invention, the communication time required for − transaction processing is T1+α+T2.

Here, α is the time required for transmitting the report from the previous transaction as well as failure and media out data representing the status of the terminal from the terminal (10) to the center (30). Center (30
), the polling and acknowledgment code (DLEACK) required when transmitting report data etc. from the terminal (10) alone to the center (30) as in the past.
This eliminates communication time such as T3, and the time is negligibly short compared to T3. Therefore, since the communication time (Jl) required for one transaction process in this invention is approximately T1+T2, this communication time can be much shorter than in the conventional system.

Also, the terminal scream is T1. + T Since it is possible to move on to the next transaction operation after the 2nd pass, it is possible to increase the operating efficiency of the terminal (1o).

In this embodiment, a report message (
TEXT2), but in systems that only require the report data necessary for reverse updates,
Report message (TEXT2) only for failures that require reverse updating, such as reception errors, reception format errors, and failures in which the transaction was not completed even after post-processing by the staff.
You may also create one.

Conversely, even if no failure occurs, a report message ('
rEx'r2) may be sent from the terminal (1o) to the center (3o) together with the created transaction message (TEXTl). In addition to online banking systems, the present invention can be applied to salary transfer systems, POS systems, and other online systems in which transaction result report data and data representing the status of terminals are sent from the terminals to the center. It goes without saying that there is.

As explained above in detail, according to the present invention, the transaction result report data of the previous transaction is appended with the transaction data number of the current transaction, and is transmitted to the main controller when communicating the current transaction data. From this, you can shorten the communication time required for one transaction and update the transaction! 6! The operating efficiency of the f-terminal machine can be improved.

[Brief explanation of drawings]

Figure 1 is a block diagram showing the internal configuration of the bank's transaction processing device, Figure 2 is a diagram showing the format of the input '11ε statement, Figure 3 is a diagram showing the content of the discrimination code in the input message, and Figure 4 is a diagram showing the content of the discrimination code in the input message. The figure shows the contents of the terminal's memory, Figure 5 is a flowchart showing the customer's operating procedure and transaction processing procedure, and Figure 6 shows the state of telegram communication between the center and the F11 terminal. FIG. 7LJ is a diagram illustrating the state of telegram communication between a center and a terminal in the prior art. +101-・Terminal, (1z...Memory, (30)・
...Control center, (321...Center file. Hereinafter referred to as ``2niη'' Japanese Patent Publication No. 858-681''/9(8) Figure 1 '10

Claims (3)

[Claims] (1) Multiple transaction terminals are connected by a transmission line or a main controller that controls them and is equipped with transaction files, and the transaction data is transmitted to the main controller for transactions at each terminal, and the corresponding After the transaction file data is updated and the transaction file is updated in the main controller, if an abnormality occurs that requires at least reverse updating of the transaction file data, the transaction result report data is transmitted from the terminal to the main controller. A transaction processing device characterized in that transaction result report data of a previous transaction is added to transaction data of a current transaction, and transmitted to a main control device at 5:00 when the current transaction data is communicated. data transmission method. (2) The data transmission method in the transaction processing device according to claim 1, wherein the transaction result report data includes data regarding the conclusion of the transaction. (3) A data transmission system in a transaction processing device according to claim 1 or 2, wherein the transaction result report data includes data representing the status of the terminal.