JPS63236164A - Transaction processing system - Google Patents

Abstract

PURPOSE:To improve the security and to shorten the transaction processing time by separating the cash processing from the window processing in terms of the memory reception/payment via a cash processing means and a window processing means and securing the organic connection between both said processings via a medium for control of a series of transactions. CONSTITUTION:When a money reception transaction is carried out with a customer, the customer pays the cash via a cash processing part 7 of a cash processing means to have input of the transaction data and also to receive a medium from a card issuing part 6. The customer hands the medium to a teller and the medium is supplied via the teller input parts of teller window processing means 3A and 3B. At the same time, the transaction data is inputted from the teller. A control means 4 controls the money input transaction with the customer based on the corresponding relation between the customer specific information received from both means 3A and 3B and the transaction data and decides the success or failure of the money reception transaction. The means 7 which performs the money reception processing, etc., with the customer is set separately from a teller window. Thus the transactions related to the means 2 and both means 3A and 3B are satisfied as a series of transactions via a medium.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of Industrial Application) The present invention relates to a transaction processing system at a window 1-1 of a financial institution such as a bank.

(Prior Art) Conventionally, in a transaction processing system at a branch such as a bank, in the case of deposit processing, a customer hands over a passbook, a slip, and cash to a teller (a bank employee) at a window. The accepted cash is inserted into a cash deposit machine or a cash dispenser connected to the counter processing device, and the cash is automatically deposited.

10,000, in the case of withdrawal processing, the teller will input the withdrawal amount, etc., into the window 1-1 processing device according to the contents of the exchanged passbook or slip, and then process the window 1-1. A cash dispensing machine or a cash deposit/dispensing machine connected to the machine automatically dispenses cash in an amount specified by the customer, and the teller hands it over to the customer.

(Problem to be solved by the invention) However, the above transaction processing system requires an expensive cash processing machine for each window II, and the cash processing is limited to the window [l].
Since it is necessary for transactions, the processing time becomes longer and the customer's time becomes longer. Furthermore, the customer has to keep cash in his possession until he can receive the payment at the counter, which poses an undesirable problem of safety (security).

Therefore, the object of the present invention is to solve the problem described in item 1-1 and provide a transaction processing system that is low-cost, shortens processing time, and has excellent security.

(Means for Solving the Problems) In order to solve the problems of the prior art, the first invention provides the following means in a transaction processing system for executing deposit transactions with customers at financial institutions such as banks. provided and configured.

The above-mentioned transaction processing system includes a processing unit that processes cash deposits from customers, a customer input unit that inputs transaction data related to deposit transactions from customers, and issues media having customer identification information to identify customers to the customers. a cash processing means for a customer, comprising an issuing unit for transmitting information, a transmitting unit for transmitting transaction data input by the customer and customer identification information, and an input unit for the teller for inputting medium and the transaction data from the customer by the teller; , a teller window comprising transaction data input by the teller and customer identification from the medium + 11i information transmission unit]-1 processing means, and customer identification information and transactions received from the direct customer cash processing means. The system comprises a control means for controlling the execution of a deposit transaction with a customer based on the correspondence between the data and the teller window [21] and the customer identification information and transaction data received from the processing means.

A second invention is a transaction processing system for executing a withdrawal transaction with a customer at a financial institution such as a bank, and is configured by providing the following means.

1. The transaction means system includes a teller input section for inputting transaction data related to withdrawal transactions by the teller, and an issuing section for issuing media having customer identification information for identifying the customer to the customer. , a teller window processing means comprising a transmitting unit for transmitting transaction data input by the teller and the customer identification information specified in 1111, a customer input unit for inputting the medium by the customer, and a customer for the input medium. A customer cash processing "9 stage" comprising a transmitting part for transmitting specific information and a processing part for performing cash withdrawal processing according to transaction data received from the customer, and the above-mentioned teller counter processing part stage. The received customer specifying information and the customer specifying information received from the customer cash processing means are combined with the transaction data received from the teller counter processing means to make a withdrawal with the customer. and control means for controlling execution of transactions.

Ru.

The third invention is a transaction processing system for executing a deposit transaction with a customer at a financial institution such as a bank, and is configured by omitting the following L stage.

1-The transaction processing system includes a processing unit that processes cash deposits from customers, a customer input unit that inputs transaction data related to deposit transactions from customers, and a customer identification information and handling counter for identifying customers. A one-fi customer cash processing means comprising an issuing unit that issues a medium having counter information to a customer, a transmitting unit that transmits customer identification information, counter information, and transaction data input by the customer; A teller input unit for inputting the medium and the transaction data from the customer by the teller at the corresponding counter, and a transmitting unit for transmitting the transaction data input by the teller, customer specific information from the medium, and window]1 information. teller counter processing means;
11 Correspondence between the customer specific information, window t-1 information and transaction data received from the customer cash processing means described in 1)f and the customer identification information, counter information and transaction data received from the teller counter processing means described in f. and a control means for controlling execution of a deposit transaction with a customer at a counter corresponding to the counter information based on the relationship.

will be accomplished.

A fourth invention is a transaction processing system for executing a withdrawal transaction with a customer at a financial institution such as a bank.

The transaction processing system described in 1-1 issues to the customer a medium having a teller input section for inputting transaction data related to withdrawal transactions by the teller, customer identification information for identifying the customer, and counter information indicating the handling counter. 1) a teller window "I processing means" comprising: A customer input section for inputting information, a sending section for transmitting customer identification ++i information and window r-1m information of the input medium, and cash withdrawal processing according to transaction data received from the customer. customer cash processing means comprising a processing section for performing the above-mentioned teller window L-
1 Customer specific information received from the processing means and the window ['l +
+ transmitting the transaction data received from the teller counter processing unit to the processing unit of the customer cash processing unit based on the correspondence between the i report and the customer identification information and counter information received from the customer cash processing unit; and control means 11 for controlling the execution of a withdrawal transaction with a customer who has processed at a counter corresponding to the counter information.

A fifth aspect of the present invention is a transaction processing system for executing a deposit transaction with a customer at a financial institution such as a bank, which includes the following one stage.

1- The transaction processing system includes a processing unit that processes cash deposits from customers, a customer input unit that inputs transaction data related to deposit transactions from customers, and a customer identification number and handling counter number for identifying customers. a customer cash processing means comprising: an issuing unit that issues a medium having counter information indicating customer information; and a transmitting unit that transmits customer identification information, counter information, and transaction data input by the customer; a storage unit for storing customer identification information, counter information, and transaction data received from the processing means; and a teller input unit for inputting medium and transaction data from the customer by a teller at the counter corresponding to the window []1 information. , correspondence between the customer specific information, counter information, and transaction data stored in the storage section and the customer specific information fμ, counter information, and transaction data from the medium input from the teller input section.'' The teller counter processing means includes an IL for controlling execution of deposit transactions with customers, and a control section.

A sixth invention is a transaction processing system for executing a withdrawal transaction with a customer at a financial institution such as a bank, which is configured by providing the following stages.

The transaction processing system includes a teller input section for inputting transaction data related to withdrawal transactions by the teller, and an issuance section for issuing media having customer identification information for identifying the customer and counter information indicating the handling counter to the customer. a teller window comprising a part and a transmitting part for transmitting customer specific information, contact information and transaction data input by the teller;
1t "Teller's Window" 1 A storage section for storing the customer specific information, counter information and transaction data received from the processing means; a customer input section for inputting the medium by the customer; A processing unit that performs the corresponding cash withdrawal process, and a window 1-1 ++7 stored in the if record storage unit.
Withdrawal transactions with the customer by providing the transaction data in the storage unit to the processing unit based on the correspondence between the information and customer specific information and the window N+l'i information and customer specific information input from the medium input from the customer input unit described in 1rr. and a customer cash processing means having a control section for controlling the execution of the cash processing means.

Ru.

(Operation) The operation of each technical means in the first to sixth inventions is as follows.

In the first invention, when executing a deposit transaction with a customer, the customer first deposits cash using the processing section of the cash processing means, inputs transaction data, and receives a medium from the issuing section.

Next, the customer hands over the medium to the teller, and the medium is input from the teller input section of the teller counter processing means. or,
Along with this, transaction data is input by the teller.

The control means determines the correspondence between the customer specific information and transaction data received from the cash processing machine and the window processing process (for example, whether or not the customer specific information matches 4r!II# and the deposit amount related to the transaction data matches). ), the execution of the deposit transaction with the customer is controlled, for example, the success or failure of the deposit transaction is determined.

According to the first invention, the cash processing means for processing deposits from customers is provided separately from the teller counter, and the cash processing means for processing customers and the teller window] 1 process "Transactions related to step 1" can be completed as a series of transactions through a medium.

In the second invention, when executing a withdrawal transaction with a customer, the teller first opens the teller window 1. -1 Input transaction data regarding withdrawal transactions from the input section of the processing means.

At the same time, the publishing department issues the media to the customer.

Next, the customer inputs the received medium into the input section of the customer cash processing means. The control means transmits transaction data to the processing section of the cash processing means based on the customer identification information of the medium received from the counter 1 processing stage and the cash processing means, and controls execution of the withdrawal transaction. As described above, according to the second invention, the cash processing means and the counter processing stage f are provided separately, and the withdrawal processing and the counter processing can be completed as a series of organic transactions.

Ru.

In the third invention, the medium issued from the first stage of cash processing includes counter information in addition to customer identification information. For this reason, the control means determines which customer identification information, window 1-1 information, and transaction data received from the cash processing means and the counter processing means, respectively. control the execution of deposit transactions.

Similarly, in the case of the fourth invention, the l control means controls the execution of the withdrawal transaction based on the customer identification information and window information received from the cash processing means and the counter processing means, respectively.

When executing a deposit transaction with a customer in the fifth invention, the processing unit of the cash processing means processes the deposit of cash from the customer, the issuing unit issues a medium to customer i, and the transmitting unit receives customer specific information, Send window 1'l information and transaction data entered by the customer.

The storage section of the window processing means stores the data from the transmission section. Then, the control unit corresponds the transaction data input by the teller, the customer identification information and contact information from the media obtained through the customer, and the transaction data, customer identification information and contact information stored in the storage unit. control the execution of deposit transactions with customers; In this way, according to the fifth invention, by providing the counter processing means with the storage section and the control section, the control means according to the third invention can be omitted.

When executing a withdrawal transaction with a customer in the sixth invention, first, the input section of the counter processing means inputs transaction data, and the issuing section issues a medium to the customer.

At the same time, the transmitting section transmits customer specific information, contact information, and transaction data.

The storage section of the cash processing means stores the first data from the transmitting section, and the input section inputs the medium issued by the issuing section. The control unit receives customer specific information from the medium, window “1
Execution of withdrawal transactions with customers is controlled by providing transaction data to a processing section that performs withdrawal processing based on the correspondence between information, customer identification information stored in the storage section, and counter information. As described above, according to the sixth invention, by providing the storage section and the control section in the cash processing means, the control means according to the fourth invention can be omitted.

(Example 71h) Hereinafter, an embodiment of the present invention will be described along the shoreline with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a transaction processing system in a branch of a financial institution such as a bank according to a first embodiment of the present invention. In the figure, the system according to this embodiment consists of a store side system 1 and a center side system 20, and the store side system 1 includes a cash processing machine 2 for customers, a teller window 1'l processing device; (Δ , :111.Control device 4 for controlling execution of transaction processing.

The cash processing machine 2 for customers includes a card issuing unit 6 for customer operations that issues and reads paper cards 5 having magnetic stripes, a cash processing unit 7 for customer operations that deposits and withdraws cash, and a cash processing unit 7 for customer operations that issues and reads paper cards 5 having magnetic stripes. The keyboard display 8 is composed of a keyboard having a CI (T) for displaying input amounts, etc., and a confirmation key for notifying that the display contents have been confirmed, and a control section 9 for controlling the above-mentioned waste structure section. .

The counter processing device 11 issues the same paper card 5 as described above.
A cart issuing section 10 for the teller operation that performs reading, a passbook slip processing section 12 for the teller operation that prints the passbook 11a and the slip 11b, a keyboard for inputting transaction data, etc., and displaying the transaction data, etc.; Terror River keyboard display 13 consisting of I+'r, the above-mentioned card issuing section 10, passbook processing section 12, and keyboard display 1
3, and a control section 14 that performs control. Incidentally, since the window processing device 3B has the same configuration as the window processing device 38, the explanation thereof will be omitted here.

The control device 4 includes a file 15 that stores transaction data, a communication control unit 16 that performs control for communicating transaction data to the center side 20, a cash processing device 2, and a window 1-1 processing unit: l
8. :Connected to In via communication line 17, file 1
5 and a control section 18 that controls the communication control section 16.

The center 20 includes a communication unit 21 of the control device 4, a communication unit 21 that controls communication of transaction data to the control unit 16 via a line 19, a ledger file 22 that stores transaction data, etc. The transaction processing operation (deposit transaction, withdrawal transaction) in the transaction processing system according to this embodiment will be explained in FIGS. 2 and 3.
This will be explained with reference to the figures. FIG. 2 is a flowchart showing the operation of each part during a deposit transaction, and FIG. 3 is a flowchart showing the operation of each part during a withdrawal transaction.

First of all, the processing operation of the Shutong Jinkin transaction will be explained.

The customer follows the instructions on the keyboard display 8 of the cash handling machine 2 and inserts the deposited cash into the cash handling unit 7 (step 100 in FIG. 2). Then, cash processing machine 2
The input cash is counted by the cash processing unit 7 (step 1), and as a result, the information on the keyboard display 8 is displayed.
(The deposited amount is displayed on T (step 1o2). When the customer judges that the deposited amount displayed on the keyboard display 8 is correct and presses the "confirm" key provided on the keyboard display 80, Step IO :]), the cash processing machine 2 stores the cash that was temporarily held after counting (
Step 104). As a result, the card issuing unit 6 records the transaction serial number and input amount for identifying the customer on the magnetic stripe of the paper card contained therein, and issues a profit cart to the customer (step 1o5). In addition, along with the
8, the transaction data indicating the transaction serial number, the deposited amount, etc. is transmitted (step 106). Up to this point, the operation of the cash processing machine 2 is temporarily completed.

Next, the control unit 1 receives the transaction data from the cash processing machine 2.
8 temporarily stores transaction data in the file 15 (step 107). On the other hand, the customer receives the paper card 5 issued from the card issuing unit 6 of the cash processing machine 2 (step 10).
8) Perform the slip entry-1"3 task of filling in the required fields such as the amount to be deposited on the deposit slip at the recording table (step 109), and transfer the paper card, the entered slip and the passbook to the counter processing device 3. (Step 110).The teller inputs transaction data via the keyboard display 13 based on the contents of the slip, and also the passbook handed over by the customer.
The slip is sent to the passbook slip processing section 12, and the paper card issuing section 1o
(step 111). As a result, the paper card, passbook, and slip are sucked (step 112).
, the transaction serial number recorded on the paper card is read by the cart issuing section 10 (step 113), the necessary data of the slip and passbook are processed by the passbook slip processing section, and the transaction serial number, department [1, 11 Transaction data such as account number and deposit amount are displayed (step 1). When the teller confirms the displayed transaction data and presses the "Complete" key on the keyboard display 13F (step 115), the transaction data is transmitted from the control unit 14 of the window 1-1 processing device 3A via the communication line +7. is transmitted to the motion control device 4 (step 116).

Then, the control unit 18 of the control device 4 receives the transaction data (step 117) and temporarily stores the transaction data in the file 15. Then, the control unit 18 uses the transaction serial number in the transaction data to search for the same transaction serial number in the transaction data from the cash processing machine 2 temporarily stored in the file 15 (
Step 118), if the transaction serial number is valid (step! 19), the deposited amount stored together with this transaction serial number is compared with the deposited amount received from the teller processing device 3^ (step! 120), and if a match is confirmed, the transaction data is transmitted to the center 20 via the communication line 19 (step 121). If the transaction serial number '5 is not found in the search or the deposit amount does not match, the window 1-1 processing device 38 is notified of this, and the window 1-1 processing device 38 takes abnormal processing such as 11 processing. (Step 122).

On the other hand, when the communication control unit 21 of the center 20 receives the transaction data from the movement control device 4, the central processing unit 23 performs transaction completion processing and updates the ledger file 22 (
Step 123). Thereafter, a notification that the transaction has been completed and data to be recorded in the bankbook and slip are sent to the IJ control device 4 (step 124).

The control device 4 transmits data from the center 20 to the communication control section 16.
Receive and file! The transaction data from the cash processing machine 2 and the teller processing device 38 temporarily stored in 5 is deleted, and the transaction data of the cash processing machine, transaction serial number, and 11 are newly stored as transaction data.
File time, counter processing machine number, transaction serial number, transaction IL deposit amount, bookkeeping data, etc.! Store it in the transaction log area of 5,
The bankbook is sent to the counter processing device 38 via the communication line 17.
The record data of the slip is sent (step 125).

Then, the counter processing device 3 makes entries in the passbook and slip in the passbook slip processing section 12 based on the transmitted entry data, and discharges the paper card, slip and passbook from each processing section (step 126). Finally, the teller extracts the ejected bankbook and returns it to the customer, completing the transaction (Step 1).
27, 128, 129).

Next, with reference to FIG. 3, the processing operation in the agency-approved withdrawal transaction will be explained.

First, the customer checks the withdrawal amount, etc. on the withdrawal slip at the cash register.
A slip entry operation is performed in which items are entered (step 130).
The recorded slip and passbook are handed over to the teller at the counter processing device 3A (step 131). The teller will disable the keychain depending on the contents of the slip, etc. The passbook processing unit 12 inputs the transaction data from 3 and hands the passbook and slips.
(Step 132), the teller processing device 3A reads the bankbook and slip and displays the transaction data on the keyboard display I3 (Step 1:1:1.
1:+4). When the teller confirms the transaction details displayed on the keyboard display 13F and presses the "Complete" key on the keyboard display I3 (step 135), the teller processing device 3A sets the transaction serial number, department]-1, 1
Transaction data such as the first account number and the withdrawal amount are transmitted to the control device 4 via the communication line 7 (step l36).

Received transaction data from counter processing device;-control unit 18
In step 137), the transaction data is temporarily stored in the file 15.
The transaction data is transmitted to the center 20 via 9. The central processing unit 2:1 performs processing for establishing a withdrawal transaction upon receiving the transaction data from the communication control unit 21, and temporarily updates the contents of the ledger file 22 (step 138). When the temporary update is completed, the central processing unit 23 updates the communication control unit 21 and the communication line 1.
9, the control device 4 is sent a notification that the provisional update has been made and the bookkeeping data of the passbook and slips (step 139).

The control device 4 receives transaction data from the center 20,
Step 1: Set the temporary update complete Y flag in the transaction data of the counter processing device 3A that is temporarily stored in the file 15.
40), and the counter processing device: (8) sends the bookkeeping data to the window. After receiving the bookkeeping data from the control device, the counter processing device: (l^) records the bookkeeping data in the current passbook and slip. , record the transaction serial number and withdrawal amount on the magnetic stripe of the stored paper card, eject the paper card from the card issuing unit IO, and eject the slip and passbook (step +41).
). The teller picks out the ejected paper card and bankbook and hands them to the customer (step I42).

Next, when the customer inserts a paper card into the card issuing unit 6 of the cash processing machine 2 (step 3), the card issuing unit 6 reads the transaction serial number from the magnetic stripe of the paper card (step 144), and the controller 9 Data such as the transaction serial number and withdrawal amount are transmitted to the control device 4 via the communication line 17. The control device 4 temporarily stores the received data in the file 15, and selects the same transaction serial number with the provisional update complete r flag from among the data from the counter processing device temporarily stored in the file 15 based on the transaction serial number in the data. (step 145, 1)
46) If there is a corresponding transaction serial number, the withdrawal amount data stored together with the transaction serial number is transmitted to the cash processing machine 2 (steps 147, 148). On the other hand, if there is no corresponding transaction number, the cash processing machine 2 is notified of this fact (step 149). When the cash processing machine 2 receives the withdrawal data 1, the control unit 9 causes the keyboard display 81 to display the withdrawal amount (step 150,
151). Here, the customer can check the displayed content and press the "Confirm" key on the keyboard display 8F (
Step l52), the control unit 9 transmits the trade serial number and confirmation notification to the control device 4 (step l5:I).

Then, by transmitting the data received from the control device 4 or the cash processing machine 5 to the center 20 (step 154).
), the center 20 changes the ledger file 22 corresponding to the received transaction serial number from provisional update to update (step 155).
), and sends a notification that the transaction has been concluded to the control device 4 (step 156). When the control device 4 receives the transaction completion notification from the center 20, it deletes the transaction data from the cash processing machine 2 and the window processing device 38 that are temporarily stored in the file 15, and newly updates the transaction data. Transaction data includes cash processing machine number, transaction serial number, 11 o'clock, teller processing machine number, transaction serial number,] - 11 o'clock and transaction department [1, withdrawal amount, bookkeeping data, etc., in the transaction log area of file 15. and sends a transaction completion notification to the cash processing machine 2 (step 15).
7).

Cash processing machine 2 receives transaction completion) γ notification and cash 1;
number and release of cash (steps 158, 159);
The cash withdrawal transaction ends when the customer receives the released cash (step 160).

In this way, according to this embodiment, cash processing and transaction processing at other counters are separated in deposit/withdrawal processing, and a series of transactions are organically completed, so a cash processing machine is required for each transaction counter. investment costs can be reduced.

Further, in this embodiment, a paper card having a magnetic stripe is used as a recording medium, but the present invention is not limited to this, and a medium capable of recording information such as a form may be used.

Further, although a keyboard is used as one stage for data input and confirmation input, other input means such as a touch panel type or voice input means may be used. In the above embodiment, there is one cash processing machine and two window processing machines, but the present invention is not limited to this.

Next, a second embodiment of the present invention will be described. Fig. 4 is a block diagram showing the configuration of the transaction processing system according to the second embodiment, Fig. 5 is a flowchart of Nishi-Tori money transaction processing by the system of Fig. 4, and Fig. 6 is the transaction processing of Agency-approved funds. This is a flowchart.

In this embodiment, as shown in FIG. 4, the card issuing section of the cash processing machine and counter processing device used in the first embodiment is deleted, and number plate issuing sections 6a and 10a are provided in their place. cash processing machine 28 and window 1-1 processing device: IG,
:l Configure D. In addition, the same reference numerals are given to the same components in the figure as in FIG. 1.

In the figure, the number plate issuing unit 6a and IOa are @! It is used to issue and read number tags having L-light stripes, and in the case of this embodiment, the number tags carry information indicating the handling counter.

Hereinafter, the deposit processing operation according to this embodiment will be explained with reference to FIG.

First, the customer transfers cash to the cash processing machine 2a as in the first embodiment.
When the official asks, the cash processing unit 7 counts the cash (steps 200 and 201). Then, on the CRT of the keyboard display 8, various transaction items [1] such as deposit amount and handling department]-1 (for example, 1 our transaction amount and withdrawal amount) are displayed (step 202). Department [
1 (in this case, the amount of money deposited) is judged to be correct, and the user presses the "Confirm" key (Step 20).
3) After counting, the cash processing unit 7 stores the temporarily reserved cash (step 204). The number plate issuing unit 6a records the serial number in the handling window "1 number, sincerity" on the magnetic stripe of the stored number tag 5a, and records the serial number in the handling window "1 number, sincerity [1]" in the paper section. At the same time as printing and issuing the number tag, the transaction serial number, account name,
Transmit transaction data such as handling counter number, sincerity [1] serial number, and deposit amount (steps 205-206). The control device 4 temporarily stores the received transaction data in the file 15 (step 207).

On the other hand, the customer pulls out the number tag issued from the number tag issuing unit 6a (step 208), performs slip entry work on the register table (step 209), and transfers the number tag, written slip, and passbook to the counter processing device 3C. Give the ding to the teller (step 21)
0). Then, as in the first embodiment, the teller operates the window [transaction serial number, department 1] from the I processing device 3C to the control device 4, [1 account number, handling counter number, sincerity [serial number at 1], Send transaction data such as deposit amount (Step 21)
1-216).

The control device 4 searches the serial number from the cash processing machine 2a based on the handling counter number and sincerity [1] received from the counter processing device 3C, and performs a reconciliation check on the deposit amount (step 2).
17-220). If there is no corresponding serial number or if the amounts do not match, the counter processing device 3C is notified of this fact and abnormal processing such as reprocessing is performed (step 221). Thereafter, the series of processes from step 222 to step 6229 are the same as in the first embodiment.

Next, the withdrawal processing operation according to the second embodiment will be explained with reference to FIG. 6. In the figure, step 23
The operation from 0 to 240 is step 13 of the first embodiment.
The operation is similar to that from 0 to 140.

When the counter processing device 3c receives the bookkeeping data from the control device 4, the bankbook slip processing unit 12 records the bookkeeping data on the current passbook or slip. Along with this, the number plate issuing unit 10a also prints the handling counter number on the magnetic stripe of the number plate stored therein.
Sincerity [1] records the serial number and issues a number tag (step 241). The teller (JJ) takes out the issued number tag and passbook and hands them over to the customer (steps 242, 243).
).

When the customer inserts the received number plate into the number plate issuing section 6d of the cash processing machine 2a, the data recorded on the number plate is read and this data is transmitted to the control device 4 (steps 244 to 246). The control device 4 temporarily stores the received data in a file 15 and uses a handling window 1 in the data.
Search for the same serial number with the provisional update complete r flag in the data from the processing unit 3c that is temporarily stored in the file 15 based on the number and the serial number at the window, and check whether the corresponding serial number exists ( Steps 247 to 249).If the corresponding serial number is present, the withdrawal amount stored together with the serial number is searched and the withdrawal amount is sent to the cash processing machine 2a (Step 250). If there is no cash processing machine 2a, the cash processing machine 2a is notified of this fact (step 251).

The cash processing machine 2a displays the received withdrawal amount.Step 2
52, 253), and when the customer presses the "confirm" key, the serial number and confirmation notification are sent to the control device 4 (steps 254, 255). The control device 4 transmits the received data to the center 20, and the center 20 changes the provisionally updated customer transaction data corresponding to the serial number of the received data from provisional update to update, and sends a notification that the transaction has been successful. The information is transmitted to the control device 4 (steps 256 to 258). The following processing (steps 259 to 262) is performed in the same manner as the cash withdrawal processing (steps 159 to 162 in FIG. 3) according to the first embodiment.

As described above, according to the present embodiment, the handling counter number is recorded on the numbered card, and deposits and withdrawals can be made at the counter corresponding to the sincerity [for example, transaction department 1] by specifying the counter processing device with number 1 as the object of transaction. By executing the transaction or evenly distributing each customer to the external counter processing devices, congestion can be prevented, and transaction processing can be executed smoothly.

In addition, in the case of this embodiment as well, it is not necessary to limit the recording medium to numbered carts as in the first embodiment, and furthermore, the number of r-evening card stages, cash processing machines, and counter processing devices is also limited to L. There is no need to limit it to examples.

Next, a transaction processing system according to a third embodiment of the present invention will be described with reference to FIG. 7.8.9.

FIG. 7 is a block diagram showing the configuration of the transaction processing system according to the third embodiment, FIG. 8 is a flowchart of the money transfer transaction processing by the system of FIG. 7, and FIG. It is a flowchart.

In FIG. 7, the store-side system la of the transaction processing system according to the present embodiment is composed of a customer cash processing machine 2b and teller counter processing machines 3E and 3F. 31E, :llF are provided with a communication control unit: IO, 31 and files 32, 33, respectively, corresponding to the functions of the control device 4 (FIG. 4) in the second embodiment. In the figure, the same reference numerals are given to the same components as in the second embodiment.

The communication control unit 30 of the cash processing machine 2b controls communication with the center 20 and -, and the file 32 is connected to the control unit 9 from the window 1-1 processing device: l+:, :lF. Store the data of.

On the other hand, the counter processing device 31i, the old PA communication; 1 control section 3
1 controls communication with the center 20, and file 33 stores data from the cash processing machine 3b connected to the control unit 14.

Next, referring to FIG. 8, a description will be given of the agency money transaction processing according to this embodiment.

First, the customer inserts cash into the cash processing machine 3b and receives a number plate after operating the key fob (steps 300-: JO5, 308), as in the second embodiment. cash handling machine 3
b issues a number tag and transmits transaction data such as the transaction serial number, department 1-1, ]1 account number, and deposit amount to the window corresponding to the handling counter]1 processing device 314 (step 306)
. Then, the counter processing device (1) temporarily stores the received transaction data in the file 33 (step 307).
.

After receiving the number tag, the customer performs a bookkeeping operation on the slip, and passes the slip, bankbook, and number tag to the teller at step 309: 1lO at step 1, which is printed on the number tag. The teller inputs transaction data from the keyboard display 13 based on the contents entered in the slip, and transfers the received passbook and slip to the slip processing section 12 and the number tag issuing section 10.
a (step 311). As a result, the number plate issuing unit 10a reads the handling counter number and the serial number of sincerity 11 recorded on the number plate, and the keyboard display 13 displays the transaction data (steps 312 to 314).
). When the teller confirms the displayed transaction details and presses the "Complete" key, the teller processing device 3E searches for the same serial number in the data from the cash processing machine 2b stored in the file 33 based on the serial number ( Step:]15.]16)
, 1 If there is a corresponding serial number, a comparison check is made between the deposit amount stored with this serial number and the deposit amount input from the keyboard display 9 (step: +1
7. :118), and when they match, the communication control unit 31 transmits the transaction data to the center 20 (step 3).
19). If there is no corresponding serial number or the deposit amount does not match, abnormal processing such as reprocessing is performed (step: 120
).

Thereafter, similarly to the first and second embodiments, the center 20 updates the ledger file 22, notifies the counter processing device that the transaction has been completed, and updates the bankbook and slips. Send the bookkeeping data (steps: 121.:122). The counter processing device 3E receives the l-yu record data and files the file: 13.
Delete the transaction data of the cash processing machine 3b stored in the
New transaction data includes cash processing machine number, transaction serial number,
11 o'clock, counter processing device number, transaction serial number of annotation device, [1 o'clock, transaction account [1, deposited amount, bookkeeping data, etc.] are stored in the transaction log area of file 33, and recorded in the passbook and slip being inhaled. The number tag, slip, and passbook are discharged (step: +23,324). Then, the teller pulled out his passbook and
This is returned to the customer, and the agency payment transaction is completed (steps 325 to 127).

Next, the 1-withdrawal transaction processing operation will be explained with reference to FIG.

The customer records the necessary information on the withdrawal slip and hands the slip and passbook to the teller at the counter processing device 3E (step): IO,:
131). The teller (A:r; inputs transaction data from the keyboard display 13 according to the input contents, and sets the exchanged passbook and slip in the passbook and slip processing unit 12 (step 332). When the transaction data is displayed and the teller presses the [Complete] key, the window]1 processing device 31i
The communication control unit 31 transmits transaction data such as transaction serial number, item, account number, withdrawal amount, etc. to the center 20 (steps 333 to 336). Center 2o receives transaction data 3
The transaction is established, the ledger file 22 is temporarily updated, and the notification that the temporary update has been made and the bookkeeping data are sent to the window 1 processing device 3E (steps: l: J7, 3:).
8). Upon reception of the above data, the counter processing device 3E transmits data such as the handling counter number, serial number, and withdrawal amount to the cash processing machine 3b, records the data in the passbook or slip being inhaled, and stores the slip or passbook. At the same time, the number plate issuing unit 10
Issue a number ticket from a (step 339.:140)
. As a result, the cash processing machine 2b temporarily stores the data from the counter processing device 3E in the file 3z (step 34).
1).

When the customer receives the number plate and passbook from the teller, the customer inserts the number plate into the number plate issuing unit 6a in the cash processing machine 2b (steps 142 to 345). The handling counter number and serial number recorded on this number plate are read by the number plate issuing unit 6a,
The control unit 9 searches for the same serial number in the data of the teller processing device 3E5v etc. temporarily stored in the file 32, and if the corresponding serial number is 4T, the withdrawal amount stored together with the serial number is After the search, the withdrawal amount is displayed on the keyboard display 8 (step 346~
350). Note that if there is no corresponding serial number, abnormality processing is performed (step 351). Then, when the customer confirms the withdrawal amount displayed on the keyboard display 8 and presses the "confirm" key, the cash processing machine 3b transmits the serial number and confirmation notice to the center 20 by the communication control unit 30 (step 352.:153). As a result, the center 20
Update the temporarily updated transaction data in the ledger file 22,
A notification of the completion of the transaction is sent to the cash processing machine 2b (steps 354, 355). The cash processing machine 2b erases the transaction data temporarily stored in the file 32, stores new transaction data, and causes the cash processing section 7 to count and release the cash (steps 156 and 157). and,
The transaction with the bank is completed when the customer receives the released cash (step 358).As described above, according to this embodiment, the cash processing machine and counter processing device communicate with and control the center. By adding an IM control unit and a file for storing data, the control device shown in the second embodiment can be deleted, and a cheaper and simpler transaction processing system can be constructed.

(Effects of the Invention) As explained in detail below, according to the first to sixth inventions, the cash processing stage f and the window processing stage perform cash processing and counter processing related to deposits and withdrawals, respectively. By separating these processes and organically connecting these processes through a medium to control a series of transactions, there is no need for expensive cash processing machines at each transaction counter, reducing investment costs and reducing the time customers spend carrying cash. It is expected that security will be improved by shortening the time, and processing speed will be shortened by separation processing.

Further, according to the third and fourth inventions, by adding window "1 information to the medium, it is possible to associate a customer with window "1," and as a result, smoother transaction processing can be performed.

Further, according to the fifth and sixth inventions, since a series of transactions including cash processing and counter processing are controlled by one stage of cash processing and one stage of counter processing, a simpler and cheaper system can be constructed.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the configuration of a transaction processing system according to a first embodiment of the present invention, and FIGS. 2 and 3 show a 100% transaction and a 15% withdrawal transaction, respectively, by the system shown in FIG. 1. FIG. 4 is a block diagram showing the configuration of a transaction processing system according to the second embodiment of the present invention, and FIGS. 5 and 6 show normal deposit transactions and agency notifications by the system shown in FIG. 4, respectively. FIG. 7 is a block diagram showing the configuration of a transaction processing system according to the third embodiment of the present invention, and FIGS. 8 and 9 are flowcharts showing gold transactions and gold transactions, respectively. It is a flowchart showing advance money transactions. l... Store side system, 2.2a, 2b... Cash processing machine, C, 3 B, 3 C, 3D, : l E
, 3F - Counter processing device, 4... Control device,
6. IO...Paper card issuing department, 6a, lOa...Number plate issuing department, 7...Cash processing department, +5, 32,
33--File, +6, 30, 31--Communication control unit, 20--Center.

Claims (6)

[Claims] (1) In a transaction processing system for executing deposit transactions with customers at a financial institution such as a bank, there is a processing unit that processes cash deposits from the customer, and a customer input unit that inputs transaction data related to the deposit transaction from the customer. , a cash processing means for a customer, comprising an issuing unit that issues a medium having customer specific information for identifying the customer to the customer, and a transmitting unit that transmits the transaction data input by the customer and the customer specific information; teller window processing means, comprising: a teller input unit for inputting the medium and the transaction data by the teller; and a transmitting unit for transmitting the transaction data input by the teller and customer specific information from the medium; control means for controlling the execution of deposit transactions with the customer based on the correspondence between the customer identification information and transaction data received from the teller cash processing means and the customer identification information and transaction data received from the teller counter processing means; A transaction processing system characterized by: (2) In a transaction processing system for executing withdrawal transactions with customers at banks and other financial institutions, there is a teller input section for inputting transaction data regarding withdrawal transactions by the teller, and customer identification information for identifying the customer. a teller counter processing means comprising: an issuing unit that issues a medium having the information to a customer; and a transmitting unit that transmits transaction data input by the teller and the customer specific information; A customer cash processing means comprising an input section, a transmission section that transmits customer specific information from the input medium, and a processing section that performs cash withdrawal processing according to transaction data received from the customer. , providing transaction data received from the teller counter processing means to the customer cash processing means based on the customer identification information received from the teller counter processing means and the customer identification information received from the customer cash processing means; 1. A transaction processing system comprising: a control means for controlling execution of a withdrawal transaction with the transaction processing system. (3) In a transaction processing system for executing a deposit transaction with a customer at a financial institution such as a bank, a processing unit that processes cash from the customer and a customer input unit that inputs transaction data related to the deposit transaction from the customer. , a publishing unit that issues to a customer a medium having customer identifying information for identifying the customer and contact information indicating a handling contact; and a transmitting unit that transmits the customer identifying information, contact information, and transaction data input by the customer. a teller input unit for inputting media and the transaction data from the customer by the teller at the counter corresponding to the counter information;
teller counter processing means comprising a transmitter for transmitting transaction data input by the teller, customer identification information from a medium, and counter information; and customer identification information, counter information, and transactions received from the customer cash processing means. control means for controlling the execution of a deposit transaction with a customer at a counter corresponding to the teller information based on the correspondence between the data, customer specific information, counter information, and transaction data received from the teller counter processing means; A transaction processing system characterized by: (4) In a transaction processing system for executing withdrawal transactions with customers at banks and other financial institutions, there is a teller input section for inputting transaction data regarding withdrawal transactions by the teller, and customer identification information for identifying the customer. and a publishing department that issues media with contact information indicating the handling counter to the customer;
a teller counter processing means comprising a transmitter for transmitting transaction data input by the teller, the customer identification information, and the counter information; a customer input section for inputting the medium by the customer; and the input medium. customer cash processing means, comprising: a transmitter for transmitting customer identification information and counter information; and a processing section for processing cash withdrawals according to transaction data received from the customer; The customer cash processing means processes the transaction data received from the teller counter processing means based on the correspondence between the customer identification information and counter information received from the customer cash processing means and the customer identification information and counter information received from the customer cash processing means. 1. A transaction processing system comprising: control means for controlling the execution of a withdrawal transaction with a customer who has processed the transaction at a counter corresponding to counter information by providing the information to the counter. (5) In a transaction processing system for executing deposit transactions with customers at banks and other financial institutions, there is a processing unit that processes cash deposits from customers, and a customer input unit that inputs transaction data related to deposit transactions from customers. , a publishing unit that issues to the customer a medium having customer identification information for identifying the customer and contact information indicating the handling contact number, and a transmitting unit that transmits the customer identification information, contact information, and transaction data input by the customer. a storage section for storing customer identification information, counter information, and transaction data received from the customer cash processing means; and a teller input section for inputting the transaction data; customer specific information, counter information, and transaction data stored in the storage section; and customer specific information, counter information, and transaction data of the medium input from the teller input section. 1. A transaction processing system comprising: a teller counter processing means having a control unit that controls the execution of a deposit transaction with a customer based on correspondence with the teller counter processing means. (6) In a transaction processing system for executing withdrawal transactions with customers at banks and other financial institutions, a teller input section for inputting transaction data related to withdrawal transactions from the teller, and customer identification information for identifying the customer. and a teller counter processing means comprising: an issuing unit that issues a medium having counter information indicating a handling counter to a customer; and a transmitting unit that transmits customer identification information, counter information, and transaction data input by the teller; customer identification information received from the teller counter processing means;
a storage unit for storing counter information and transaction data; a customer input unit for inputting the medium by the customer; a processing unit for performing cash withdrawal processing for the customer according to the transaction data; Withdrawal transactions with the customer are performed by providing the transaction data in the storage unit to the processing unit based on the correspondence between the counter information and customer specific information input from the customer input unit and the counter information and customer specific information from the medium input from the customer input unit. 1. A transaction processing system comprising: a control unit for controlling execution of the transaction processing means; and a customer cash processing means.