JPS62245371A - Method and device for transaction process - Google Patents

Abstract

PURPOSE:To easily enter and input data regarding a transaction, by holding the data which represents the location of information regarding an input format, a guidance, and a transaction data in a memory card. CONSTITUTION:A terminal equipment 1 is constituted of a processing part 10, a card reader/writer 11, a keyboard 12, a display 13, an external memory device 14, and an interface device 15. In the memory card used by a user in the transaction, the data that represent the location of the information regarding the input format, the guidance, and the transaction data which help the input of the transaction data by the user, are held. The transaction data, format, and guidance obtained based on the above information are displayed on the display 13.

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to guidance processing for filling in contents in transaction processing, and is particularly applicable to vouchers created and issued by many companies, such as bank exchange and public money vouchers. The present invention relates to a transaction processing method and apparatus suitable for transactions performed by an unspecified number of users.

[Conventional technology]

Regarding the processing of foreign exchange and public money transactions at banks, there have been various methods to make it easier for users to fill out and input transaction details. There was a method to store the transfer destination information and use it to help users specify the transfer destination.

[Problems to be solved by the invention]

However, with this method, processing such as centralized transfers in which an unspecified number of users transfer money to a fixed account in a format specified by the recipient, such as payment for goods at a department store or payment of tuition fees at a school, is not possible. is not touched on, and
There was no mention of guidance on exchange types, payment methods, etc. for transfer transactions, and it was hoped that there would be a way for users to easily fill in and input data related to transactions.

The purpose of the present invention is to further improve such problems, and in particular, when an unspecified number of users perform transactions such as transfer transactions that have various input formats, it is possible to easily fill in and input data related to the transaction. The purpose of the present invention is to provide a method and device for efficiently storing and managing information such as guidance that can be used to write and input information by users.

[Means for solving problems]

In order to achieve the above object, the transaction processing method and device of the present invention are provided in a method for a user to fill out and input a slip such as a transfer slip at a bank.

Information regarding the location of the transaction or processing data necessary for the transaction or processing, the format and guidance for filling out/input (filling instructions), and/or information indicating the location of the transaction or processing data is sent to the magnetic card.

Memorize and store on a memory card such as an IC card,
The transaction data format and guidance information obtained based on the information are displayed.

Furthermore, by providing the memory card itself with input means and display means, it is possible to guide the user's entry/input operations.

[Effect]

The present invention provides a transaction processing system comprising a transaction acceptance terminal device and a transaction processing device, in which an input format and/or guidance for helping a user input transaction data into a memory card used by the user in a transaction is provided. Or it has the function of holding data indicating the location of information related to transaction data.

It is also a transaction processing system that uses a memory card with a keyboard and display function for transactions, and prior to a transaction, the keyboard and display on the memory card are used to input necessary data using the guidance and transaction data in the memory card. create.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a block diagram of a transaction processing system and a block diagram of a terminal device, showing a first embodiment of the present invention. In Figure 2, 5 is a transmission line to which each terminal device is connected by a communication line, optical fiber, coaxial cable, etc., and 1 is a transmission line for the user to input transaction data based on the memory card read by the user. a transaction reception terminal device that outputs guidance information and receives transaction data; 3 is a central processing unit installed at the bank that processes the user's transactions based on the memory card information and transaction data input by the user; 4; is a central processing unit installed at the receiving company that processes transactions for users. The central processing unit 4 may also be a common institution such as a joint center set up jointly by the banking community. In addition, since the transmission line 5 is required to perform high-speed transmission of large amounts of data and complicated transmission control, a terminal device may be connected to the transmission path 5 by a distributed processing device equipped with an information transfer function.
il is the processing unit 10.il. Card reading/writing device 11, keyboard 12, display 13. External memory bag! (File) 14. It is composed of an interface device 15. Among these, the processing section 10 is the card reading/writing control section 21.
, a data input control section 22, a display control section 23, a file input/output section 24, a data transmission/reception section 25, a transaction processing section 26, and an overall control section 29. In file 14,
Contains document format data, guidance data, and transaction data necessary for transaction processing. The central processing unit 3 has an external memory bag b! i (file) 31 and external storage device (file) 32 are connected. The central processing unit 4 includes an external storage device (file) 41 and an external storage bag b.
! 1 (file) 42 is connected. Among these, file 31 and file 41 store slip format data and guidance data necessary for transaction processing. File 32 and file 42 store transaction data of users.

FIG. 1 is a flowchart of transaction processing showing a first embodiment of the present invention, taking as an example a centralized transfer transaction at a bank.
FIG. 5 is an example of the format used for current paper-based centralized transfer transactions.

It is now assumed that a user performs a centralized transfer transaction using the terminal device 1 using the memory card shown in FIG. First, a memory card is set in a card reading/writing device, and the contents of the card are read (step 101).

As shown in Figure 4, the card to be read includes a data input format for transaction processing, format/guidance location information indicating which device file contains the guidance information, transaction information such as transfer amount, fee amount, etc. Transaction data location information indicating which device file the data is in, and actual transaction data such as the payer code and recipient code are stored. The transaction processing unit 26 inputs the input format and guidance information of the transaction data based on the format guidance location information on the card.
Confirm whether it is on the memory card, in a file in the terminal device, in a file in the bank's central processing unit, or in a file in the company's central processing unit (step 102).
Similarly, depending on the transaction data location information on the read memory card, transaction data such as the transfer amount 1 fee amount for the transaction is stored on the memory card, in the terminal device file, in the bank's central processing unit file, or Check which files are located on the company's central processing unit (
Step 103), Step 102 and Step 10
Based on the location information in step 3, the data transmitting/receiving section 25 and the file input/output section of each device search for format information, guidance information, and transaction data from a predetermined file or memory (step 104). Searched format information, guidance information, and transaction data on your terminal device! (step 105) according to the displayed formatting information, guidance information, and transaction data.

Transaction data input from the keyboard 13 is accepted (step 106), and based on the input transaction data, transaction-related processing such as transaction data registration by the transaction processing unit 26 is performed (step 107).

After the transaction process is completed, the memory card is returned to the user or taken into the terminal device (step 108).

Transfer transactions at banks require many items to be entered by the user, and in particular, in the case of centralized transfer as shown in this example, the recipient company specifies the details of the transfer, so there are many different formats, and methods for collecting transfer money and fees. There are also a wide variety of Accordingly, in the present invention, the memory card includes formatting information, guidance information, and location information indicating in which device the transaction data is on file, and/or formatting information, guidance information, and transaction data to assist in transaction data entry. By memorizing and storing the information, the user can easily fill in and input the data related to the transfer transaction.

FIG. 6 is a flowchart of transaction processing showing a second embodiment of the present invention, taking the centralized transfer of the first embodiment as an example, and FIG. 7 is a block diagram of a transaction processing system showing the second embodiment. and a block diagram of a terminal device. Figure 8 shows
This is an external view of a memory card used in the second embodiment. In this example, the back side of FIG. 8 is used as a magnetic stripe section and an IC chip section as shown in FIG. 9, but a single surface is used. It is also possible to mix. FIG. 11 is an example of information stored in the data memory of the memory card shown in FIG. 10. In FIG. 7, the transaction reception terminal device IA has a keyboard 12. Display 13 and data input control section 22
, is characterized in that the display control section 23 is not retained, and those devices and functional parts are provided in a memory card shown in FIG.

In FIG. 10, a keyboard, a memory card with a display, a microprocessor 60, a program memory 70. Data memory 80. Interface section 81. Keyboard section 82. It is composed of a display section 83. Among these, the program memory is stored so that the user can use the keyboard section 83 based on the guidance displayed on the display section 83.
2, a program for inputting predetermined transfer transaction data is stored. That program is
An interface control unit 71, a data input control unit 72 that controls data input processing from a keyboard, and a display control unit 7
3, a transaction processing section 74, and an overall control section 79. The data memory 80 stores information shown in FIG.

The processing in this embodiment will be explained with reference to the flowchart in FIG. It is now assumed that a user performs a centralized transfer transaction using the memory card shown in FIG. First, input guidance for a centralized transfer transaction is displayed on the display section 83 on the memory card. The guidance information is retrieved from the data memory 80 by the transaction processing section 74 and displayed.

(Step 201), and the user inputs predetermined transaction data from the keyboard section 83 based on the input guidance (Step 202). The transaction processing unit 74 stores the input transaction data in the data memory 80 (step 203), and the memory card storing this transaction data is
The card reading/writing device fill of the terminal device IA reads the already stored transaction data to the terminal device 1! input to the IA (step 204). Based on the input transaction data, processing related to the transaction is performed (step 205).

After the transaction process is completed, the memory card is returned to the user or taken into the terminal device (step 206).

In this embodiment, the keyboard part on the card.

Instead of providing a display section, transaction data can be stored in advance on the memory card using a separate terminal device equipped with a card reading/writing function, a keyboard section, and a display section.
A configuration in which the memory card is stored and read into the terminal device IA is also conceivable.

In the case of the second embodiment, the user does not necessarily need to create and input data at a bank branch, and the user can prepare transaction data in advance using his or her own terminal device or file. can do.

〔Effect of the invention〕

According to the present invention, in a transaction that requires a user to input various input formats and various input items, the transaction data can be easily filled out and inputted, and the guidance is held on the side of the device processing the transaction. This has the effect of making it possible to efficiently retain and manage information such as information.

[Brief explanation of drawings]

FIG. 1 is a processing flowchart for transaction processing showing a first embodiment of the present invention, FIG. 2 is a configuration diagram of a transaction processing system and a terminal device that perform the processing of FIG. 1, and FIG. 3 is a memory The external view of the card, Figure 4, shows the information stored in the memory card.
A diagram showing an example of data to be stored, FIG. 5 is a diagram of a transaction slip format used for transaction processing, and FIG.
A processing flowchart for transaction processing showing an embodiment, FIG. 7 is a configuration diagram of a transaction processing system and a configuration diagram of a terminal device that realize the processing of FIG. 6, and FIGS. 8 and 9 are diagrams of the processing of FIG. 6. Fig. 10 is a diagram showing the configuration of the memory card shown in Figs. 8 and 9, and Fig. 11 shows the data in one memory card shown in Fig. 10. FIG. 3 is a diagram of data stored in a memory. 1. IA...terminal device, 3.4... central processing unit,
5... Transmission line, 6.6A... Memory card, 10.
... Processing unit, 11... Card reading/writing device, 12.
・・Keyboard, 13 ・・Display, 14, 31
,32゜41.42...external storage device (file),
15... Interface device, 21... Card reading/writing control section, 22.72... Data input control section, 2
3.73... Display control unit, 24... File input/output unit, 25... Data transmission/reception unit, 26.74... Transaction processing unit, 29°79... Overall control unit, 60...・Microprocessor, 61...Magnetic stripe section, 62...
・IC chip section, 70...program memory, 71.
...Interface control unit, 80...Data memory,
81... Interface section, 82... Keyboard section, 83... Display section. 41 z Kaya 2nd 3rd Figure 4 3rd S Figure 6 Figure 7 Figure S Figure 9

Claims (1)

[Claims] 1. In a transaction processing system comprising a transaction reception terminal device and a transaction processing device, an input format that helps a user input transaction data into a memory card used by the user during a transaction; or guidance, and/or a transaction processing method characterized by holding data indicating the location of information regarding transaction data. 2. The transaction processing method according to item 1, wherein the transaction processing system comprises a transaction reception terminal device and a transaction processing device connected by a transmission line. 3. A transaction processing system that uses a memory card with a keyboard and display function during transactions, which uses the keyboard and display on the memory card, guidance in the memory card, and/or transaction data prior to the transaction, 2. The transaction processing method according to item 1, wherein transaction data necessary for the transaction is created, temporarily stored in a memory card, and the already created transaction data is used for the transaction. 4. In a transaction processing system consisting of a transaction reception terminal device and a transaction processing device, an input format and/or guidance to help the user input transaction data is provided in the memory card used by the user during the transaction. A transaction processing device comprising means for holding data indicating the location of information regarding transaction data, and a keyboard and display on the memory card.