JPS61256474A - Cash exchange dealing system - Google Patents

Abstract

PURPOSE:To simplify an input procedure and to prevent an erroneous input by displaying a state of a table which manages dealing items of the user based on the input of the user and the guidance showing the input. CONSTITUTION:A slip reading terminal 11 for receiving an exchange dealing slip described and formed by the user and a payee file are held and they are connected to a decentralized processor 12 recognizing the payee on the exchange slip read by the device 11 by a transmission path 10 comprising an electric communication line or the like. The device 11 comprises a processing section 20, a slip handling section 32, a display 33, a slip reader 34, an external storage device 35 and an interface device 36. In the device 35, a character font dictionary or the like for recognizing the character from the slip data read by the reader 34 is stored. The processor 12 comprises a processing section 40, an external storage device 55, and an interface device 56. In the device 55, the payee, a remittee data every transactor is stored. In such a manner, the input procedure is simplified and an erroneous input can be prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to an input method for bank cash and exchange transaction data, and in particular to a method for simplifying input procedures and for data that cannot necessarily be fixed, such as transfer destination and remittance destination.

This invention relates to a data input method that prevents erroneous input.

[Background of the invention]

As a typical application example of the present invention, a transfer destination data input method,
We will explain the conventional problems with the cash handling method.

Regarding the conventional method of specifying the transfer destination, please refer to the patent application 1987-876.
As shown in 96, there is a method of selecting and specifying a transfer destination using a transfer card or the like that stores frequently used transfer destinations. However, in many cases, users fill out a transfer form with the recipient, the person requesting the transfer, etc., and bring it with them, which poses a problem for users to accurately input the recipient from a terminal device.

In addition, conventional cash handling devices such as banks that can make deposits and payments either have completely separate safes for deposits and payments, or, as shown in Japanese Patent Application No. 58-48715, have two safes for deposits and payments. There were some cases where cash was returned. However, the number of cases in which cash is disbursed using a cash handling device and deposited and transferred at a counter is increasing, which poses problems for both customers and banks in terms of operability and cash processing load.

[Purpose of the invention]

The purpose of the present invention is to improve such conventional problems, and to improve accurate input of transfer and remittance data in transfer and remittance transactions, and cash handling processing to reduce cash disbursement load and transaction processing load at counters. Our goal is to provide a method for handling cash and exchanges.

[Summary of the Invention] In order to achieve the above object, in the first embodiment of the present invention, a transfer destination previously specified and input by a user is provided.

It maintains a remittance table that stores remittances, etc., and if the remittance or remittance specified or entered in the next exchange transaction is not in the remittance table above, a guidance message to the effect of "not registered" is displayed and the user The transaction will be executed unless there is an instruction to cancel the transaction.

Furthermore, the second embodiment is characterized in that when a user performs a payout operation, guidance for guiding the deposit or transfer process following the payout is displayed before the user performs the cash payout operation.

[Embodiments of the invention]

Hereinafter, the present invention will be explained in detail with reference to Examples.

(First Embodiment) FIG. 1 is a configuration diagram of a transaction processing system of the present invention, and FIG. 2 is a configuration block diagram of a terminal device and a distributed processing device of the present invention.

In FIG. 1, 10 is a transmission line, and the terminal device and the distributed processing device are connected by a telecommunication line, an optical fiber, a coaxial cable, or the like. Reference numeral 11 denotes a slip reading terminal device that accepts the exchange transaction slip filled in by the user, and 12 a distributed processing device that holds a transfer destination file and confirms the transfer destination on the exchange slip read by the terminal device 11. A processing device for data storage, system management/monitoring, etc. may be separately connected.

In FIG. 2, 11 is a slip reading terminal device, and 12 is a distributed processing device that holds a transfer destination file. Terminal device 1
1 is a processing unit 20. Slip handling device 32. Display 33. Slip reading device 34, external storage device (file) 35. The processing section 20 includes an interface device 36, a slip handling control section 229, a display control section 23,
．． Slip reading control section 24. Slip character recognition unit 25. Transmission data transmitting/receiving section 26. It is composed of an overall control section 29. In addition, the file 35 has a slip reading device! It stores a character font dictionary and the like for character recognition from the slip data read by 34. Also, in the terminal device 11.

A cash handling device that handles cash associated with exchange transactions may also be connected.

On the other hand, the distributed processing device includes the processing unit 40. External storage device (file) 55. The processing section 40 includes an interface device 56, and the processing section 40 includes a file search processing section 45. Transmission data transmitting/receiving section 46. It is composed of an overall control section 49. Furthermore, file 5
5, the zero file storing transfer and remittance data (hereinafter referred to as transfer destination file) for each business partner may be registered by the user or created by accumulating transaction results.

FIG. 3 is a processing flowchart for recognizing and confirming the exchange transaction slip, and FIG. 4 is a diagram showing an example of the format of the transaction slip to be filled out. FIG. 5 is a diagram showing an example of the contents of the transfer destination file.

Now, when a user uses the "transfer request form" shown in FIG. 4 to make a transfer transaction using the terminal device 11, he first writes the date, bank to which the transfer should be made, and the recipient's account number and name on the slip.

Fill in predetermined items such as the address, client's name, address, and transfer amount, and set it in the slip handling device 32. From the six set slips, the slip reading device 34 and the slip reading control unit 24 convert the format including the entered characters. is read and creates slip image data (step 101). From the slip image data, the slip character recognition unit 25 reads file 3.
Using the character font dictionary in step 5, the transmission data transmitting/receiving unit 26 logically recognizes at least the transfer destination account number and the client's kana name written on the slip (step 102). The slip data including the account number and the client's name in kana is sent to the interface device 36. Transmission line 10. and transmit it to the distributed processing device 12 via the interface device 56 (step 103).
, the distributed processing device 12 receives slip data including the transfer destination account number and the client's kana name data from the terminal device 11 (step 104), and performs a file search using the received kana name and transfer destination account number as keys. The processing unit 45 searches the transfer destination file 55 (step 1
05), (1) If there is no corresponding business partner, (2) If there is a corresponding business partner and the business partner does not have the applicable remittance account number, (3) If there is a corresponding business partner, If the customer has a corresponding remittance account number, the corresponding search result code is obtained, and the search result code is transmitted to the terminal device 11 via the transmission line 10 (step 1).
06), in the terminal device 11.

When the search result code is received (Step 107), a message is displayed on the display 33 through the data display control unit 23 to alert the user to whether there is an error in the transfer destination of the transfer transaction entered by the user based on the search result code. do(
Step 108), for example, if the search result is (1) above, "We look forward to doing business with our bank (store)", (2) above.
In the case of ``I don't have the money in my usual bank account, do you need to check the bank account again?'', in the case of (3) above, ``Thank you for using our bank to transfer money to Oo every time.'' Display Nato's message.

Call the user's attention. Furthermore, it is also possible to issue a kind warning message by comparing data such as the transfer date and amount on the transfer destination file with the date and amount data on the slip.

According to this embodiment, when a user performs a transfer or remittance transaction at a financial institution such as a bank, it becomes possible to check the remittance data entered and entered by the user, which is similar to the current situation in foreign exchange transactions. This greatly increases the practicality of mechanization based on invoices created and filled out by customers.

(Second example) Next, a second embodiment of the present invention will be described.

FIG. 6 is a block diagram of the structure of the cash handling device of the present invention.

In FIG. 6, the cash handling device 610 includes a processing unit 620
．． Keyboard 631. Card/passbook handling device 6
32. Display 633. Cash deposit/payment device 634
The processing section 620 includes a data input control section 621.
．． Card/passbook handling control section 6229 Display control section 623. TIL gold handling control section 624. It is composed of an overall control section 629.

FIG. 7 is a processing flowchart for displaying operational guidance in payment operations, and FIG. 8 is a diagram showing examples of items and input means to be input by the user during cash payment processing.

Now, an example will be described in which a user performs a transfer process on the cash processing device 610 following a cash dispensing process. When dispensing cash, input items such as those shown in FIG. 8 on the keyboard 631. input using a card, passbook, etc. (step 701). When the input of specified items is completed, guidance is displayed on the display 633 to ask whether or not a deposit or transfer process is to be performed (step 702).
).

If you answer that you want to make a transfer, operational guidance for the transfer process will be displayed on the display (step 703). When you have finished inputting the specified items for the transfer process, the guidance for step 702 above will be displayed again. If you answer this, the guidance in step 703 will be displayed and the process will be repeated. If the answer to step 702 is negative, the cash payment/deposit device 634 pays out the difference between the series of payout and deposit transactions (step 704).

FIG. 9 shows an example of the guidance during the above continuous operation (900,
901). It can be seen that by performing the above-described continuous operations, it is easy to input the payer data. When entering the amount, the operation will be easier if the payout amount is displayed in advance in the guidance when specifying the transfer amount. Furthermore, for cash withdrawals, it is sufficient to pay out the difference between the withdrawal and the transfer, and effective use of funds can be expected.

To solve the problem of one user monopolizing the cash processing device due to continuous transactions as described above during busy times at a bank branch, it is also possible to take measures such as directing the user to the counter at step 703 above. It is.

According to this embodiment, when a user successively withdraws, deposits, or transfers cash at a financial institution such as a bank, the number of input items associated with withdrawal and deposit operations can be reduced for the user, simplifying the procedure. Moreover, for the bank side, it is possible to increase the area in which automatic machines can be handled and save labor, and it is also possible to reduce the cash processing load on automatic machines.

〔Effect of the invention〕

As described above in detail with respect to each of the embodiments, the present invention has effects such as simplifying and increasing the efficiency of input procedures and preventing data input for cash handling processing and exchange transactions.

[Brief Description of the Drawings] Fig. 1 is a block diagram of a transaction processing system showing an embodiment of the present invention, Fig. 2 is a block diagram of a terminal device and distributed processing device showing an embodiment of the present invention, and Fig. 3 is a block diagram of a transaction processing system showing an embodiment of the present invention. is a processing flowchart of slip recognition verification showing an embodiment of the present invention, FIG. 4 is a diagram showing an example of the format of a "transfer request form", FIG. 5 is a diagram showing an example of the contents of a transfer destination file, and FIG. A configuration block diagram of a cash handling device showing an embodiment of the present invention, FIG. 7 is a processing flowchart for displaying operational guidance in payment operations, and FIG. 8 shows examples of items input by the user and input means during cash payment processing. The figure shown in FIG. 9 is a diagram showing an example of an operation guidance screen for making payout and transfer processing consecutive. DESCRIPTION OF SYMBOLS 10... Transmission path, 11... Terminal device, 12... Distributed processing device, 20. 40... Processing unit, 22... Slip handling control unit, 23... Display control unit, 24...・
・Voucher reading control unit, 25...Voucher character recognition unit, 45・
...File search processing unit, 26.46...Transmission data transmission/reception unit, 32...Voucher handling device, 33...
Display, 34... Slip reading device, 35.55.
... External storage device, 36.56 ... Interface device, 29°49 ... Overall control section, 610 ... Cash handling device, 620 ... Processing section, 621 ... Data input control section, 622 ... Card/passbook handling control section, 623... Display control section, 624... Cash handling control section. 629... Overall control unit, 631... Keyboard, 6
32...Card/passbook handling device, 633...
-Display, 634...deposit/payment device. Figure 2■ Figure 3 Father-in-law 4-b

Claims (1)

[Claims] 1. Means for providing guidance for guiding user operations;
In a cash/money exchange handling device having a means for inputting a user's request regarding cash/money exchange and a table for managing the user's transaction matters based on the input, guidance indicating the status or input of the table is displayed. A cash and exchange handling method characterized by: 2. The cash handling method according to item 1, characterized in that when a user performs a cash withdrawal operation, the guidance means displays guidance for guiding the next deposit or transfer process before performing the cash withdrawal operation. . 3. In a transaction processing system that consists of a terminal device that accepts foreign exchange transactions and a storage device that has a remittance table that stores information such as users, remittance destinations, etc., and that conducts exchange transactions based on exchange transaction data filled out and input by users. , If the transfer destination or remittance destination entered by the user for a foreign exchange transaction from the above-mentioned terminal device is not registered in the above-mentioned transfer destination table, a message indicating that it is not registered will be displayed and the transaction execution will be canceled by the user. A cash and exchange handling method characterized in that the transaction is executed unless instructed by.