KR0150790B1 - Method for performing transaction - Google Patents

Abstract

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Description

Window service processing method and apparatus

1 is a schematic illustration of a processing system according to the present invention.

2 is a schematic diagram showing a hardware configuration of a transaction designating terminal.

3 is a configuration diagram of hardware of a terminal apparatus that handles money and goods.

4 is a flowchart illustrating a processing flow of a transaction designation terminal.

5 is a diagram showing the balance list in the deposit balance file.

6 is a diagram showing a list of transactions.

7 shows a pause transaction list.

8 is a flowchart in which a transaction designation terminal separates an executable transaction list and a pause transaction list.

9 shows (a), (b) and (c) a balance list.

10 is a flowchart illustrating a processing flow of a money handling terminal.

11 is a flowchart showing a procedure of creating a transaction list and a pause transaction list that can be handled by the payment handling terminal.

12 illustrates an example of an executable transaction list.

13 is a diagram showing one example of a balance list.

14 is a diagram showing one example of a transaction list.

FIG. 15 shows an example of an executable transaction list. FIG.

16 is a diagram showing an example of a transaction list.

FIG. 17 shows an example of a pause transaction list. FIG.

18 shows an example of a balance list.

19 is a flowchart of a processing procedure of a money handling terminal.

20 shows an example of an executable transaction list.

21 is a diagram showing an example of a transaction list.

22 is a diagram showing an example of a pause transaction list.

23 shows an example of an executable transaction.

24A to 24D show a balance list.

25 is a diagram showing an example of a deposit balance list.

FIG. 26 is a diagram showing an example of a transaction list. FIG.

27 shows an example of an executable transaction list.

28 is a diagram showing an example of a pause transaction list.

Fig. 29 is a diagram showing one example of a repayment list.

30 shows an example of an executable transaction list.

FIG. 31 shows an example of a pause transaction list. FIG.

32 is a diagram showing an example of a transaction list.

33 illustrates an example of an executable transaction list.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a window service processing method and apparatus for performing financial transactions such as deposits, withdrawals, transfers, and money exchanges in cash, for example, in cash.

According to the prior art, a customer writes a transaction on a designated sheet, and submits the sheet to a cashier (bank clerk) at a window along with cash, securities, seal, bankbook, and bank card. The cashier decides whether or not to accept the transaction. Upon receipt of it, the cashier operates the terminal to complete the transaction. According to this prior art, office work is mainly performed based on a single document for one transaction, and thus it is not a customer response transaction but rather a transaction response. If the customer desires several different types of transactions (eg deposits and partial deposits to be withdrawn), he or she submits the documents separately at the window for each type of transaction, for example deposits and withdrawals. Should be. In addition, due to the use of vouchers, the detailed examination of the types of vouchers and the preservation and management of the vouchers for legal limitation periods have been a heavy burden for each institution.

On the other hand, according to Japanese Patent Laid-Open No. 62-23757, when a customer orally designates a transaction content desired by a bank clerk, the bank clerk operates the terminal inputting the transaction content to execute the securities receipt. By doing so, a system that can execute a transaction without using any slip has been proposed. In this kind of banking, a customer orally assigns a transaction to a bank clerk, who then enters the transaction into the input device. Confirm and accept payment and exchange between the customer and the banker for the specified transaction. All these orders are executed simultaneously in one window. Therefore, there is a problem that the processing burden of the bank clerk increases, the processing time becomes long and confusion occurs at the window.

In the prior art, in order to specify the contents of the transaction, the money exchanged between the customer and the banker must be held at the time of transaction designation. Even in the case of a trading system capable of executing various kinds of transactions, there is a problem in that a transaction cannot be specified without money or money, that is, a customer cannot submit or deposit money or money first. Also, when a customer's money is brought to the bank temporarily, and the money is actually cashed at the counter once the banking method (eg deposit, transfer, payment, etc.) is specified. Except for this, there was a problem that the assignment of transactions cannot be executed.

An object of the present invention is to solve the above problems by providing a customer-facing banking system.

It is an object of the present invention to automatically execute several without the use of any slips, without the burden of sending and receiving securities or issuing official receipts and slips that cannot be easily executed by a machine executed by a banker to be removed by the present invention. It is possible to provide a teller service processing method and apparatus which can reduce the waiting time of the customer in the bank and avoid the complexity at the teller machine.

It is another object of the present invention to provide a method and apparatus for handling window services that efficiently operate a large amount of cash machine for handling securities, and inexpensively suppresses the investment of all the devices required to process a transaction.

Another object of the present invention is to have the necessary amount of money for the transaction or to have sufficient balance in the account, even if you do not currently have the amount of money required for the transaction or if the balance of the account is insufficient (hereinafter referred to as the absence of financial instruments). In the same manner as in the case (hereinafter referred to as the case of fiscal securities), it is possible to designate a transaction content, and to provide a method and a device for processing a window service for executing and completing a predetermined transaction when a financial securities are established later.

Another object of the present invention is to store cash and securities without specifying transaction details, deposit them in a specific account such as a specific deposit or a temporary record area, and then trade the amount of the securities without cashing the securities at the counter. It is to provide a method and apparatus for handling window services that can specify a method.

In order to achieve the object of the present invention, the present invention deals with a place for designating a transaction and a place for designating a transaction in the order in which the transaction is specified by the user and the order in which the transaction is executed and the order in which the securities (money) are exchanged. Separate your place of work into another place. In order to realize this, according to the present invention, the system is constituted by the transaction designation terminal 1, the money handling terminal 2 and the customer identification medium 3. As shown in FIG.

The transaction designation terminal (1) includes (a) input of identification information such as transaction details for identity verification, (b) display of entered transaction details, (c) transaction details, and (d) on a customer identification medium. (E) designate the user using the information recorded on the customer identification medium held by the user or input information to verify the identity of the user; and (f) have no customer identification medium. (G) determine the feasibility of a transaction, (h) provide a guide to direct the customer to the device or window to which they must go to complete the transaction; i) perform a function such as providing a communication means with a host computer or other device in the banking system.

(2) The money handling terminal (a) receives or pays the security, (b) inputs the handling or handling amount of the security, and (c) displays the transaction amount or transaction of the security, (d) In accordance with the receipt of the securities, the transaction details and amount of the transactions for the securities may be determined, (e) lead or write the customer identification record medium, (f) the information recorded on the customer identification medium held by the customer, or (G) issue a customer identification medium with customer identification information recorded on the customer identification medium to a customer who does not have it, (h) ) To determine the feasibility of the transaction, (i) to provide guidance and guidance to the customer of the next device or window the customer is required to complete in order to complete the transaction, (j) with a host computer or other device within the banking system. barrel It implements functions such as providing new means.

The use of the customer identification medium 3 for identifying the identity of the customers who operate the above two terminals has been described.

The transaction designation terminal or the payment handling terminal have a receipt receipt confirmation key indicating receipt of a payment through a person regarding receipt of securities that are not easily identified by a machine such as a receipt or check. In such a difficult case, securities transactions can be made through bankers.

Regardless of the order in which the transaction designation terminal and the payment handling terminal use each of these terminals, the sum of the transaction amount designated by the terminal and the balance of the transaction amount (the sum of the amount inserted into the payment handling terminal and the balance remaining in the account, etc.) Balance). Then, the transaction feasibility of these terminals is determined according to the comparison result, and the transaction contents are separated into an executable transaction list and a pause transaction list that can be executed immediately after the transaction designation. The executable transaction list communicates with the host computer to execute and complete the transaction. The pause transaction list is collected in regular time units or in irregular time units and created as a pause transaction file. For a paused transaction list that uses an account that has insufficient funds as a resource, if the account's balance changes due to the next day's transaction of money, the computer will investigate whether the transaction can be executed and the balance will close the transaction. Determine if it is sufficient before executing. Thus, if one of the paused transactions can be executed by an increase in funding, for example a subsequent deposit or a substitution, then the transaction is automatically executed.

In addition, it is possible to collect a pause transaction list for all terminals at a sales office that cannot be immediately executed on a computer storing the account balance. If desired, the pause transaction list may be collected at each office and accessed by a communication means such as a LAN or a VAN among terminals arranged in an area having jurisdiction over each office.

The customer designates at least one transaction content using the transaction designation terminal, receives the customer identification medium, and then, if necessary, injects the customer identification medium and the securities into the money handling terminal to complete the transaction. In addition, it is also possible to apply to the case of receiving the customer identification medium using the money handling terminal first, and then inserting the customer identification medium into the transaction designation terminal to specify the transaction contents. In the case of securities such as checks or receipts that are difficult to check by the machine, or when a public receipt such as a car tax receipt is required for the inspection of the car later, the receipt of the money through a bank clerk at the designated transaction terminal or the payment handling terminal A payment receipt confirmation key may be provided which is operated only by a bank clerk who instructs the to The customer identification medium is used as a countermeasure between the customer who operates the transaction designation terminal and the customer who uses the money handling terminal with respect to the transaction contents. The transaction designation terminal and the money handling terminal respectively read identification information from the customer identification medium. If information is required and no customer identification medium is inserted, a new customer identification medium is issued. In this case, a user can be identified using a bank card or the like. In addition, a bank card may be used as a medium for customer identification using an integrated circuit (IC) card or the like to record information such as designated transaction details or account balance on the medium. A customer identification medium with information uniquely identifying a user or a customer is provided for each terminal, so that other authorized devices that use the user terminal and the medium that specify the transaction details for sending and receiving money through the transaction designation terminal It is possible to provide a countermeasure between people. In addition, it is possible to confirm the identity of users of both terminals by a password and other electrically automatic identification means without using a physical customer identification medium.

A money handling terminal or a transaction designation terminal is provided with a specific means such as a specific deposit account by providing a means for instructing the customer about a specific account such as a specific deposit or a temporary deposit account used to maintain a transactional fund. It is stored temporarily in your account, and can later be assigned to your account as a financial resource. As a result, money can be repaired regardless of the designation before and after the transaction.

The transaction content entered through the transaction designation terminal is executed immediately if the relevant fiscal securities are sufficient (e.g., a savings deposit as a resource and the balance of this deposit is sufficient to carry out the transaction). On the other hand, if there are no financial securities (including if there are insufficient financial securities) (for example, cash is selected as a financial source and cash is not yet deposited or the balance of the selected deposit as a financial resource is insufficient) Execution is temporarily stopped and the paused transaction contents are stored in the pause transaction file. A paused transaction is executed when cash selected as a source of funds is deposited through a teller or a sufficient balance is made to execute a transaction by deposit or transfer to a designated deposit account as a source of finance. At the same time, the transaction execution time by deposit is very short when the cash or securities are received or when the banker receives the securities and presses the receipt confirmation key in the money handling terminal. The data on the financial resources are stored in the pause transaction file, and when the balance of the deposit account is updated by deposit or transfer, that is, when the change is made, the information is examined to determine whether the execution of the pause transaction can now be executed. Paused transactions are automatically executed when the funding for a suspended execution has changed and is now determined to be sufficient. This fact allows the transaction to be specified without any fiscal securities.

The above and other objects and novel features of the present invention will become apparent from the description and the accompanying drawings.

EMBODIMENT OF THE INVENTION Hereinafter, the structure of this invention is demonstrated with an Example.

1 is a schematic explanatory diagram showing a hardware configuration of the present invention. In FIG. 1, (1) is a transaction designation terminal, (2) a money handling terminal, (3) a host computer, (4) a deposit balance file, (5) a pause transaction file, and (6) A general purpose terminal is shown. Each terminal 1, 2 and 6 and the host computer 3 are connected to each other via a communication line. External storage devices such as the deposit balance file 4 and the pause transaction file 5 may be connected to the host computer 3.

2 shows the hardware configuration of the transaction designation terminal 1. In Fig. 2, reference numeral 11 denotes a memory device, reference numeral 12 denotes a display device, reference numeral 13 denotes an input device, reference numeral 14 denotes a customer identification device, reference numeral 15 denotes a customer identification medium issuing device, and reference numeral 16 denotes a printing device. (17) is a communication device, and (18) is a processing device for controlling each terminal and processing transaction data.

3 shows the configuration of the money handling terminal 2, where 21 is a storage device, 22 is a display device, 23 is an input device, 24 is a customer identification device, and 25 is a printing device. The apparatus 26 is a customer identification medium issuing apparatus, 27 is a deposit and withdrawal apparatus, 28 is a processing apparatus, and 29 is a communication apparatus. The operation of each of these devices will be described in detail according to the type of transaction contents.

(a) An example of ordinary deposits and transfers will be described.

Describe a case where a customer deposits 50,000 won in an ordinary deposit account. 4 is a flowchart showing the processing procedure of the transaction designation terminal 1. The customer enters into the input device 13 whether the customer has a storage medium for customer identification issued by the bank (step 110). A menu or an operation sequence is displayed on the display device 12 to provide information for supporting a customer's transaction input operation on the input device 13. The customer presses the touch panel of the input device 13 corresponding to the selection of the menu to execute the input operation. If the customer already has a customer identification medium, the medium is inserted into the customer identification device 14. If the customer does not have a medium, a bank deposit card is inserted into the customer identification device 14 and information such as an input of an identification number is input from the input device 13. The customer identification device 14 reads customer identification information (e.g., customer identification number) from a customer identification medium or a bank deposit card, stores the information in the storage device 11, and processes for identifying the customer (e.g., For example, in order to check the inputted identification number, the identification number is transmitted to the host computer (step 120). The deposit balance of the customer is read from the deposit balance file 4 via the host computer 3, and then stored in the storage device 11 (step 130).

5 shows the balance list 50 in the deposit balance file 4.

The balance list 50 is comprised of each column, such as a customer identification number, an account type, an account number, a Giro number, a balance, an expiration date, and a flag. The branch number is the branch number of the account number. The flags are described next. The input operation support processing of the input device 13 does not display the account types not owned by the customer on the menu by using information on the account held by the customer when the menu selection is made.

(a-1) The case where the customer identification medium is not possessed is described. In this case, it is assumed that the customer identification number is "0001". When the bank card is inserted into the customer identification device 14, a menu of transaction items is displayed on the display device 12 (step 140). These transaction items include "deposit", "payment", "cancellation", "public charge payment", "tax payment" and "refund". If "Deposit" is selected, then the account type menu is displayed, then the ordinary deposit (assuming the current balance is 100,000 won) is selected. If the customer does not have an ordinary deposit account, the menu for selecting the account type is not displayed, and the menu for selecting the financial resources for the deposit is displayed. The customer then selects another already opened account such as "cash deposit", "special securities deposit" or "special deposit". If "cash deposit" is selected, an instruction to enter the deposit amount is made and the number keys are displayed on the screen. If 50,000 won is entered, a menu asking whether the next transaction item is present is displayed. If "Alternate" is selected, an instruction is provided to output a replacement amount, replacement place, and financial resources, and a list of numbers, letter keys or past alternative places is displayed on the screen. If the replacement amount is “150,000 won”, the alternative bank name is “B”, the alternative account number is “8236” and the resource is “normal deposit”, a menu asking for the presence of the next transaction item is displayed. In this example, there is no other transaction, so "None" is selected and the input operation of the transaction is completed. The entered transaction details are stored in the storage device 11 as a list 51 (FIG. 6). The above series of input procedures are executed by step 140. The processing unit 18 classifies the list 51 of transaction details into an executable transaction with a fiscal securities or a paused transaction without a fiscal securities, and the executable transaction list and the pause transaction list 52 (7th). Fig. 1) (step 150).

8 is a flowchart illustrating a program for creating an executable transaction list and a pause transaction list 52. First, 1 is set to a variable N representing a row of the transaction contents list 51 (step 200). Using the balance list 80 (FIG. 9 (a)), the N-th account type in the transaction contents list 51 is converted into an account number (step 210). In this example, "normal deposit" is converted to account number "1001". The classification criteria for viable transactions are that the transaction content is not reimbursed at the counter (step 220), the balance of the funds for the transaction is greater than the amount required to execute the transaction (step 230), and other transactions are suspended. Classified as a transaction. In this example, the transaction is a replacement for deposits and ordinary deposit accounts, and the transaction contains the deposit order executed at the teller. Therefore, the executable transaction list is empty, and the conditional section of the pause transaction list 52 has the order of “deposit 50,000 won at the window”, and the transaction content section includes the order of “1001 + 50,000 won” (step 260). ). Thereafter, N is increased (step 270). Since a transaction of N = 2 is an alternative transaction based on ordinary deposit, no money is exchanged (step 220). Since the balance of the ordinary deposit, which is the source of this transaction, is 100,000 won, it is less than the transaction amount of 150,000 won shown in the column N = 2 in the transaction contents list 51. Therefore, this transaction is also added to the pause transaction list 52 (step 260).

As shown in FIG. 7, the condition of the pause transaction list 52 includes an item of "1001 balance-150,000 won", and the transaction contents section includes "1001-150,000 won" and "B bank 8236 + 150,000 won". The item of enters. As N is further increased (step 270), since the transaction of N = 3 is not in the transaction contents list 51, the executable transaction list is sorted by account number (step 290). The executable transaction list in this example is empty, so no processing is performed. With the above configuration, the executable transaction list and the pause transaction list 52 are completed.

In the case where the transaction of the transaction contents list 51 is not exchanged with a prize, and the transaction has a relationship of "transaction amount ≤ transaction resource", the transaction is added to the executable list in the storage device 11 (step 240). The balance list in the memory device 11 is updated (step 250. In this case, updating means updating with a new balance generated as a result of the execution of the viable transaction).

The pause transaction list 52 is sent to the host computer 3 together with the customer identification number (step 160). The host computer 3 adds the customer identification number "0001" as a search key, and the pause list 52 is stored in the pause file 5 connected to the host computer. Finally, the transaction designation terminal prints the transaction contents by the printing device 16 (step 170), issues a customer identification medium, returns a bank card (step 180), and ends the transaction designation process. Thereafter, the customer inserts the customer identification medium into the customer identification device 24 of the money handling terminal 2. In addition, the cash in and out device 27 is inserted into the cash 50,000 won.

10 is a flowchart showing the program of the money handling terminal. The customer inserts the customer identification medium into the customer identification device 24 (step 400). The customer identification device 24 reads the customer identification number from the customer identification medium (step 420). The processing device 28 transmits the pause transaction list 52 and the balance list 80 (Fig. 9 (a)) corresponding to the identification number “0001” read through the communication device 29 to the host computer. Require. The host computer 3 searches the pause transaction file 5 for the pause transaction list 52 corresponding to the customer identification number "0001". The balance list 80 corresponding to the customer identification number "0001" is retrieved from the deposit balance file 4. The retrieved pause transaction list 52 and the balance list 80 are sent to the money handling terminal 2. The money handling terminal 2 stores the received two types of list (step 430). The processing device 28 creates a list of money and money exchanged at the window from the pause transaction list 52 (step 440), and displays it on the display device 22 (step 450). In this example, the items of “cash 50,000 won at the counter” shown in the conditional section of Fig. 7 are contents of the money list. In the case where there is an item of cash deposit in the item list (step 460), the processing unit 28 instructs the cash in / out unit 27 to open the cash inlet (step 470), and the customer injects cash into the cash inlet. (Step 470). The cash in / out device 27 counts cash (step 480), and displays the result on the display device 22 (step 490). The customer checks whether the inserted money is in accordance with the displayed contents (step 500). In this case, since the inserted payment satisfies the contents of the paid cash list, deposits and substitutions are carried out as transactions.

11 is a flowchart showing a program in which the money handling terminal 2 creates an executable transaction list and a pause transaction list. The pointer representing the row in the list is initialized (step 610). According to the insertion and confirmation of money and money, the item of conditional "50,000 won deposit" in the pause transaction list 52 is satisfied (step 620), so that the item "1001 + 50,000 won" is stored as the executable transaction list. Is added (step 630). The balance list 80 in the storage device 21 is updated (step 640), the temporary transaction in the storage device 21 is deleted (step 650), and N is increased (step 660).

9B shows the balance list 81 after the update. Since the conditional part of the transaction is satisfied by the balance of 1001 being 150,000 won (step 620), the item of "1001-150,000 won" and the other item of "B Bank 8236 + 150,000 won" in the transaction details are executable transactions. It is added to the list (step 630). After that, the balance list is updated, and the balance of 1001 is set to 0 (step 640). 9C shows the balance list 82 after its update. The transaction of N = 2 is deleted from the pause transaction list 52 (step 650), N is increased (step 660), and since the transaction of N = 3 is not in the transaction list, the executable transaction list is arranged by account number (step) 680). In this example, "1001 + 50,000 won" and "1001-150,000 won" are arranged as "1001-100,000 won". By virtue of the above, the executable transaction list and the pause transaction list are completely prepared.

12 illustrates an executable transaction list 53.

If there is a withdrawal item (step 520), the processing device 28 withdraws from the cash withdrawal device 27 (step 530), and the pause transaction list 52 corresponding to the customer identification number in the pause transaction file 5; The request to delete the transaction and the executable transaction list 53 are transmitted to the host computer 3 (step 540). The host computer 3 decreases the balance of the customer's ordinary deposit account (account number 1001) by 100,000 won and increases the balance of the B bank 8236 by 150,000 corresponding to the contents of the received executable transaction list. After this operation, a notification of the completion of the transaction is sent to the money handling terminal 2. Upon receipt of the completion notification of the transaction, the money handling terminal 2 prints the transaction contents by the printing device 25 (step 550), collects the customer identification medium (step 560 and step 570), and completes the processing. . Finally, the customer receives the print.

(a-2) The case where the customer identification medium is already possessed is described.

(a) A case where the customer identification medium is inserted into the transaction stop terminal (1) after the cash payment terminal (2) has entered cash 50,000 won.

As the customer identification medium is inserted into the customer identification device 14, a menu of transaction items is displayed on the display device 12. Transaction items include "Deposit", "Payment", "Replacement", "Cancellation", "Public Bill Payment", "Tax Payment" and "Refund". If “Deposit” is selected, the account type menu is displayed and “Normal Deposit” is selected (assuming the current balance is 100,000 won). If the customer only has an ordinary deposit account, the menu for selecting the account type is not displayed, but the menu for selecting the next option is displayed. Since the cash (50,000 won) has already been deposited in the money handling terminal 2, an instruction is supplied as an output for inputting the deposit amount, and a digital key is displayed on the screen of the display device 12. If “50,000 won” is entered, a menu asking for the next transaction item is displayed. If “replace” is selected, you will be instructed to enter a replacement amount, alternative location, and financial resources, displaying a list of numeric or letter keys or past alternative locations. If a substitute amount of “150,000 won”, an alternative bank name “B”, an alternative account number “8236”, and a finance “normal deposit” are entered, a menu asking whether the next transaction item exists is displayed. In this example, there is no other transaction, so "None" is selected and the input operation of the transaction is completed. The entered transaction contents are stored in the storage device 11 as a transaction contents list. The processing device 18 classifies the transaction list into an executable transaction with a financial security or a temporary transaction without financial security as a financial resource, and creates an executable transaction list and a pause transaction list.

8 is a flowchart showing a procedure of creating an executable transaction list and a pause transaction list. Since the transaction details in this example are in place of deposits in ordinary deposit accounts with fiscal securities, the predicate of the paused transaction list is "Waiting to specify the transaction details". The transaction contents of the feasible transaction list include "1001 + 50,000 won", "1001-150,000 won", and "B bank 8236 + 150,000 won". In this case, 1001 is the customer's ordinary deposit account number, and the balance list 80 is used to convert "normal deposit" into "1001". When the transaction details with financial securities are identified, the conditional “waiting for transaction details” in the paused transaction list is satisfied. Thereafter, "1001 + 50,000 won", "1001-150,000 won" and "B bank 8236 + 150,000 won" are stored in the storage device 21 as an executable transaction list. Since the pause transaction list is invalid, the executable transaction list is sorted by account number. The processing device 28 transmits to the host computer 3 a request to delete the pause transaction list of the customer identification number and the executable transaction list from the pause transaction file 5. In response to the contents of the executable transaction list, the host computer 3 reduces the balance of the customer's ordinary deposit (account number 1001) and sends a completion notice of the transaction to the transaction designation terminal 1. The transaction designation terminal 1 receives the transaction completion notice, prints the transaction contents by the printing device 16, and completes the processing by recovering the customer identification medium. Finally, the customer receives the print.

As described above, since no bank employee is required to be included in the transaction designation order, the burden on the bank employee can be reduced.

(b) Explain an example in which a transfer is made to another account, using the common deposit account as a resource.

A case where a normal deposit account (account number 1002) is applied as a resource and 30,000 won is replaced by another account (customer identification number 0123, account number 1234). The balance in the account 1002 is 100,000 won, and the account 1234 has a balance of 15,000 won. In the initial menu of the input device 13 of the transaction designation terminal 1, the customer selects an item of "do not hold" the customer identification medium of the transaction bank (step 110) and inserts a bank deposit card.

In addition, as the information required to identify the customer is input, the customer identification device 14 reads the customer identification number from the bank money, stores the number in the storage device 11, and stores the customer identification process. (Step 120). The processing device 18 reads the customer's balance list 83 (FIG. 13) from the deposit balance file 4 through the host computer 3, and stores it in the storage device 11. As shown in FIG. 5 shows the balance list 50 in the deposit balance file 4. The transaction contents are input by the customer in the input device 13 (step 140). First, "replacement" is selected as a transaction item, and then "normal deposit" is selected as a resource. There are three sources of alternative transactions: deposits, ordinary deposits and specific deposits. A replacement amount of 30,000 won is entered, and a replacement account number 1234 is entered. In the case of designating an alternative location, the alternative location is another bank, and the bank name is selected through the menu. Finally, the input operation is completed after “none” of the next transaction item is entered. The entered transaction contents are stored in the storage device 11 as the transaction contents list 54 (FIG. 14).

The processing unit 18 compares the balance of the customer's ordinary deposit (100,000 won) stored in the storage of the transaction designation terminal with the contents of the transaction contents list 54 (substitute 30,000 won) (step 230), and executes the transaction. Ensure the possibility. In this example, since the "replacement amount (30,000 won) is smaller than the balance of the ordinary deposit (10,000 won)", the processing device 18 determines that it is an executable transaction. By this structure, the viable transaction list 55 (FIG. 15) becomes "1002-30,000 won" and "1234 + 30,000 won" (step 240). Since there are no other transactions, the paused transaction list is empty. The above is the process of step 150. The executable transaction list 55 is sent to the host computer 3 (step 160) and used to update the deposit balance file 4. The host computer 3 transmits the renewal completion to the transaction designation terminal 1, and upon receiving it, prints the transaction contents by the printing device 16 (step 170) and returns the bank deposit card (step 180). To complete the process.

In the case of this transaction, the exchange of money is not carried out, and thus the transaction is completed. If the transaction designation terminal 1 is installed outside the bank, the customer does not need to go to the bank, so that the alone status in the bank is alleviated. In the case where the transaction designation terminal 1 is installed in the department store, it is possible to execute the above transaction for the customer during the shopping operation.

(c) Describe one example of deposits and transfers through special securities (checks).

The following describes a case where a customer who does not have a customer identification medium of the bank wants to carry out an alternative transaction by bringing a check to the counter.

In the initial menu of the input device 13 of the transaction designation terminal 1, an item of "not holding" the customer identification medium is selected by the customer. If the customer identification medium is not inserted and the bank deposit card is inserted into the customer identification device 14, the transaction item menu is displayed on the input screen. Transaction items include "Deposit", "Recovery", "Replacement", "Cancellation", "Payment of Public Fees", "Payment of Taxes", and "Refund". If “Deposit” is selected, a menu indicating the account type is displayed and “Normal Money” is selected (assuming that the current balance is 300,000 won). A menu to select the resources for the next deposit is displayed and the user can select whether to use another already opened account such as "cash deposit" or "deposit through special securities" or "special deposit" through the money handling terminal (2). do. If "Deposit through Special Securities" is selected, an instruction is supplied as an output to input the deposit amount and the numeric keys are displayed on the screen. When “500,000 KRW” is entered, a menu asking for the next transaction item is displayed. When “Alternate” is selected, an instruction is supplied as an output to input an alternative amount, an alternative place or a resource, and the like by using a numeric key or a letter key or A list of past alternative locations is displayed on the screen. If a replacement amount of “750,000 won”, an alternative place “B” and a resource “normal amount” are entered in the same manner as above, a menu asking for the presence of the next transaction item is displayed. In this example, there is no transaction, so "None" is selected and the input operation of the transaction is completed. The entered transaction contents are stored in the storage device 11 as the transaction contents list 56 (FIG. 16).

The processing device 18 classifies the transaction contents list 56 into an executable transaction having a financial instrument or a pause transaction having no financial instrument, and executes the transaction list and the pause transaction list 57 (FIG. 17). Write.

8 is a flowchart showing a procedure of creating an executable transaction list and a pause transaction list. The criteria for classifying a viable transaction include the case where there is no exchange of money or money at the counter and the balance of the financial deposit is larger than the required amount, and other items may be classified as temporary transactions. Since the transaction content is replaced with the deposit of ordinary account, and the order of money at the counter, the viable gerast is empty, and the condition of the first transaction in the pause transaction list 57 is “the deposit of 500,000 won through securities”. And "1005 + 500,000 won" in his transaction details. In the second transaction condition, the relationship of "1005 balance-750,000 won" is entered, and his transaction details include "1005-750,000 won" and "C bank 3456 + 750,000 won". At this time, 1005 is the customer's ordinary deposit account number, and "normal deposit" is converted to "1005" using the balance list 84. Bank C 3456 is the alternate C bank and its account number, which is converted using the customer's past list of alternate locations.

The pause transaction list 57 is sent to the host computer 3 together with the customer identification number. The host computer 3 stores the pause transaction list 57 as a search key in the pause transaction file 5 which is slowed down on the host computer 3 together with the customer identification number 0234. Finally, the transaction designation terminal 1 prints the transaction contents by the printing device 16, issues a customer identification medium, guides the customer to the bank clerk at the payment window, and completes the transaction designation process.

The customer then reimburses the banker for 500,000 won in special identification securities and special securities. 10 is a flowchart showing the general flow of the program of the money-goods handling terminal 2. FIG. The banker inserts the customer identification medium into the customer identification device 24. The customer identification device 24 reads the customer identification number from the customer identification medium, and the communication device 29 sends a request for the transmission of the pause transaction list of the identification number and the balance list to the host computer 3. The host computer 3 searches for and executes the pause transaction list 57 of its customer identification number 0234 in the pause transaction file 5, and the balance list 84 of the customer identification number in the balance sheet file 4 ( Fig. 18) is searched and executed, and the information is sent to the money handling terminal 2. FIG. The money handling terminal 2 stores the list transmitted in the storage device 21. The processing device 28 creates a list of money and money to be exchanged at the window in the pause transaction list 57 and displays it on the display device 22. In this embodiment, the contents of the money list in which "a deposit of 500,000 won through special securities at the window" is repaid. The repayment list has a "deposit" item, so the total amount of securities received from the customer is entered by the banker. The banker checks whether the contents of the payment received from the customer match the contents of the repayment list. If the banker verifies this fact, the banker presses the receipt receipt confirmation key on the input device 23.

FIG. 19 shows a flowchart for creating an executable transaction list and a pause transaction list by the money handling terminal 2. As shown in FIG. First, assume that N = 1 (step 710). As the confirmation key is pressed, the conditional " deposit of 500,000 won in special securities at the window " of the pause transaction list 57 in the storage device 21 is satisfied (step 720). Thus, "1005 + 500,000 won" is added to the executable transaction list (step 730), and the balance list is updated (step 740). Next, the first transaction is deleted from the pause transaction list 57 (step 750). N is increased (step 760). Since the conditionality of the pause transaction list 57, that is, the "balance of 1005-750,000 won" is satisfied, "1005-750,000 won" and "C bank 3456 + 750,000 won" are added to the executable transaction list (step 730). . The balance list in the storage device 21 is updated (step 740), and the corresponding transaction is deleted from the pause transaction list in the storage device 21 (step 750). Since the pause transaction list is empty (step 770), the processing unit 28 executes an instruction to delete the pause transaction list 57 of the customer identification number in the pause transaction file and the executable transaction list 58 (Fig. 20). ) Is transmitted to the host computer 3. The host computer 3 uses the executable transaction list to increase the balance of the customer's ordinary deposit (account number 1005) by 500,000 won, execute an alternative transaction of 750,000 won, and reduce the deposit balance by 750,000 won. 2) send the transaction completion. The money handling terminal 2 receives it, prints the transaction contents by the printing device 25, recovers the customer identification medium, and completes the transaction. Finally, the banker repays the prints from the customer. As described above, even if the transaction by special securities is executed in the present invention, the banker does not need the transaction designation order, thereby reducing the burden on the banker.

(d) Explain one example of a transaction (car tax payment) that requires a receipt. It describes a case where a customer who does not have a bank's customer identification medium deposits cash at the counter and pays an automobile tax of 40,000 won to Japan or Kawagen. In the initial menu of the input device 13 of the transaction designation terminal 1, the condition of "do not hold" the customer identification medium is selected by the customer. If the customer has a bank deposit card, the bank deposit card is inserted into the customer identification device 14 and information such as an identification number used to identify the customer is input through the input device. The customer identification device 14 reads the customer identification information (e.g., customer identification number) from the bank deposit card, stores the lead information in the storage device 11, and executes customer identification processing (e.g., input identification). A process of transmitting the number to the host computer 3 in order to check the identification code) is executed, and at the same time, the customer's deposit balance is read from the deposit balance file 4 and stored in the storage device 11 (step 130).

5 shows a balance list in the deposit balance file 4. The input support unit of the input device 13 does not display on the menu the types of accounts not held by the customer by using information about the accounts held by the customer when the menu selection is made. Customers who do not even have a bank deposit card will require the input or personal identification information (address, name, etc.) required to execute the transaction. Next, a menu of transaction items is displayed on the input screen. The transaction items are "Deposit", "Payment", "Replacement", "Cancellation", "Public Payment", "Tax Payment" and "Refund", and "Tax Payment" is selected. If the customer does not have a bank deposit card, his transaction items are limited to "replacement", "public payment", "tax payment" and "money refund". If "Tax payment" is selected as the transaction item, the tax item is displayed and "Auto Tax" is selected. Tax items include "resident tax," "fixed property tax," and "automotive tax." Continued, "Kanagawa-gen, Japan" is selected as an alternative place, "Deposit" is selected as a resource, and the amount of 40,000 won is entered. If the customer does not have a bank deposit card, the options for financing are limited compared to the case where the customer has a bank deposit card, and the cash stored in the money handling terminal (2) in advance with the "deposit" at the counter. Only "specific deposits" with the "normal deposit" or "current deposit" are not displayed on the selection menu. Finally, "none" of the next transaction item is entered and the input operation is completed. The entered transaction contents are stored in the storage device 11 as the transaction contents list 59 (FIG. 21). The transaction designation terminal 1 checks the feasibility of the input transaction contents list 59. Since there is a "deposit at the window" in the transaction contents list, the processing unit 18 judges it as a temporary transaction, "40,000 won deposit at the window" is conditionally applied, and "8888 + 40,000 won" is the transaction content. The applied pause transaction list 60 (FIG. 22) is created. In addition, the customer identification device 14 reads the customer identification number, transmits the number to the host computer 3 together with the pause transaction list 60, and stores them in the pause transaction file 5. At this time, 8888 is a car tax account of Kanagawa Gen, which is retrieved using an account number table. The account number table relates to the alternative account number of the utility bill or tax, which is stored in the storage device 11 or the storage device in the host computer. The transaction contents are printed by the printing device 16 and supplied as output with guide information for guiding a customer to go to a bank clerk. The customer identification medium issuing device 15 issues a customer identification medium having a customer identification number recorded therein, and the customer receives this medium and completes the transaction designation procedure. If a bank deposit card is inserted, it is returned.

The customer goes to the cashier's counter and sends the customer identification cache to the cashier's terminal (2). The customer identification device 24 reads the customer identification number recorded on the inserted customer identification medium, and retrieves the pause transaction list 60 and the balance list from the host computer to the storage device 21 by searching step 430. Lead. The processing device 28 searches for "40,000 won deposit at the window" for the payment list repaid in the pause transaction list 60 (step 440), displays the list on the display device 22 (step 450), The cash inlet of the deposit and withdrawal device 27 is opened (step 470). When the cash is inserted into the inlet, the cash is counted (step 480), and the result thereof is displayed on the display device 22 (step 490). When the cashier confirms that the cash received and the contents of the repayment list are identical, the confirmation receipt key is pressed (step 500). The conditional "cash 40,000 won deposit at the window" of the paused transaction list is satisfied (step 620). The transaction contents "8888 + 40,000 won" associated with it are stored in the storage device 21 as an executable transaction (step 630), the balance list in the storage device 21 is updated (step 640), and It is deleted from the paused transaction list. Step 650 Since the pause transaction list 60 in the storage device 21 is empty, the executable transaction list 61 (FIG. 23) is transmitted to the host computer 3 (step 540). Since the pause transaction list in the storage device 21 is empty, an instruction for deleting the customer's pause transaction list 60 from the pause transaction file 5 is sent (step 540). The host computer uses the executable transaction list 61 to increase the deposit balance of 8888 won by 40,000 and transmits the balance update completion to the money handling terminal 2. The money handling terminal 2 displays the transaction completion on the display device 22. The banker stamps the bank's unique receipt on the invoice of the car tax received from the customer, repays it to the customer and completes the transaction. The customer identification medium issued at the transaction designation terminal 1 is collected by the money handling terminal 2.

Receipts of taxes or utility bills vary in form, depending on the local or public company, and must be labeled as income. In the present invention, by separating the transaction designation order that can easily execute the automatic processing and the issuance order for issuing a receipt that can not easily execute automatic processing to reduce the burden on the bank clerk at the same time is required for automatic processing equipment The increase in cost can be suppressed.

(e) Describe one example of a multi-item transaction.

A customer holding a bank deposit card of his bank cancels his two-year periodic deposit (account number 2001, deposit number 2, balance 500,000 won including interest), and replaces 150,000 won with A bank account number 8765. If you pay 50,000 won in Kanagawa-gen as a car tax, withdraw 100,000 won in cash, and deposit a total of 400,000 won in total for the remaining 200,000 won and your 200,000 won check with a three-year regular deposit. Describe. The customer does not have a special deposit when the transaction is designated.

In the initial menu of the input device 13 of the transaction designation terminal 1, the state of “not holding” the customer identification medium is selected (step 110), and the bank deposit card is inserted into the customer identification device 14. The customer identification device 14 executes the customer identification process (step 120), and at the same time, reads the customer balance list 62 (Fig. 24 (a)) from the deposit balance file 4 into the storage device 11. It is stored (step 130).

25 shows the balance list 68 in the deposit balance file 4. As shown in FIG. The input device 13 then displays a transaction designation menu to facilitate input (step 140). “Cancellation” is selected as the transaction item, and “2” is entered for the term deposit which is canceled by selecting “Term Deposit” as the account type. Subsequently, “Special Deposit” is selected as the cancellation method, and the next transaction is “Yes”. Then, the transaction item selection menu is displayed, "Alternate" is selected, "Special Deposit" is selected as the item of finance, the amount "150,000 KRW" is input, and the alternative account number "A Bank 8765" is inputted and the next transaction is selected. The item "Yes" is selected. Continued, "Tax" is selected as an optional item, "Auto Tax" is selected as a tax item, "Kanagawa Gen" is selected as an alternative place, and "Special Deposit" is selected as a resource, and the payment amount "50,000 won" is entered. The item "Yes" is selected. In addition, "withdrawal" is selected as a transaction item, "special deposit" is selected as a financial source, "100,000 won" is entered as a withdrawal amount, and the next transaction "is" is selected. Subsequently, "Refund" is selected as a transaction item, "Check" is selected as a refund, the amount "200,000 KRW" is entered, "Special Deposit" is selected as a cash processing method, and the next transaction "Yes" is selected. Finally, "Deposit" is selected as a transaction item, "3-year term deposit" is selected as the account type, "Special deposit" is selected as the financial source, and "Deposit amount 400,000 won" is entered, so that the next transaction "None" is selected. After the assignment, the input operation is completed. The input transaction contents are stored in the storage device 11 as the transaction contents list 63 (FIG. 26).

The processing unit 18 checks the expiration date by using the balance of the two-year periodic deposit account of the initial transaction and the balance list 62 of the transaction details list 63. If the transaction designation date is later than the expiration date, "2001-2 canceled" and "8010 + 500,000 won" are stored in the storage device 11 as an executable list (step 240), and the balance list is updated at the same time (step 250). . FIG. 24B shows the updated balance list 64. As shown in FIG. Here, 8010 is a number assigned to the customer's special deposit account, which is generated by the processing unit 18 or the host computer 3. Thereafter, the balance list 64 checks whether the balance of the special deposit account 8010, which is the source of the second transaction in the transaction details list 63, is greater than or equal to the replacement amount (150,000 won) (step). 230). Since the balance of account number 8010 is 500,000 won in the first transaction, this condition is satisfied, and "8010-150,000 won" and "A bank 8765 + 150,000 won" are added to the feasible transaction list (step 240), and the balance at the same time. The list 71 (FIG. 24 (c)) is updated (step 250), and the balance of the account number 8010 is 350,000 won. Similarly, the third transaction is processed in the same way as when the balance of the account number 8010 of the financial resources is larger than the tax payment amount (KRW 50,000), so that “8010-50,000 KRW” and “8888 + 50,000 KRW” are added to the viable transaction list. In addition (step 240), the balance of the special deposit in the balance list 72 (FIG. 24 (a)) is updated to 300,000 won (step 250). Here, 888 is an automobile tax account number of Kanagawa Gen, Japan, which is lead in the alternative account coordinates in the storage device 11. The fourth transaction involves the receipt of money at the counter and its immediate execution is not possible (step 220), so the "Request to withdraw" and "8010 balance-100,000 won" conditions apply. A pause transaction list 67 composed of "8010-100,000 won" and "withdrawal of 100,000 won from the window" in the transaction contents corresponding to the conditional section is created and stored in the storage device 11 (step 260). The fifth transaction includes receipts of money and goods at the counter, so a check of 200,000 won is applied as a condition, and the transaction details corresponding to this condition are "(Check Account Account Number)-Set 200,000" and "8010." +200,000 won ”is added to the pause transaction list (step 260). A checking account number is a checking account number that issues checks and is entered when a bank clerk enters this number at the cashier's counter.

The sixth transaction cannot be executed immediately because the balance of the special deposit (300,000 won), which is the source of regular deposits, is less than the deposited amount (400,000 won) (step 230). In relation, the transaction contents list of the transaction contents of "8010-400,000 won" and "2001-3 + 400,000 won" is added to the pause transaction list (step 260). As the classification of all the transaction contents of the transaction contents list is completed (step 280), the processing unit 18 organizes the executable transaction contents in the storage unit 11 and stores them in the storage unit 11 (step 290). Fig. 27 (a) shows the feasible transaction list 65 at the completion of classification, and Fig. 27 (b) shows the feasible transaction list 66 arranged for each account, and Fig. 28 is the classification completion. The pause transaction list 67 is shown. The processing device 18 transmits the executable list 66 and the pause transaction list 67 arranged for each account stored in the storage device to the host computer 3 (step 160). The host computer 3 updates the deposit balance file 4 using the executable transaction list 66 and stores the pause transaction list 67 in the pause transaction file 5. The transaction designation terminal 1 gives the customer the guidance information to the bank clerk at the money handling window, prints the transaction contents by the printing device 16 (step 170), issues a customer identification medium and issues the bank deposit card. Returning (step 190), the transaction designation process is completed.

Next, when the customer injects the customer identification medium into the customer identification device 24 of the money handling terminal 2 at the money handling window, the customer identification number is read from the customer identification medium (step 420), and the customer balance list ( 72 is read out from the balance balance file 4 using this customer identification number, and the customer pause transaction list 67 is read from the pause transaction file 5 and stored in the storage device 21 (step). 430). The processing unit 28 creates a list of payments (hereinafter referred to as a redeemed payment list) exchanged between the customer and the bank clerk at the payment window at the pause transaction list 67 (step 440), and the display device 22 It is displayed on (step 450). FIG. 29 shows the redemption list 69 repaid. If there are a plurality of items in the redeemed payment list, the corresponding item is selected by number. If this item is about repayment via securities, the "payment receipt confirmation key" is pressed, and if this item is about withdrawal, the "withdrawal request key" is pressed (step 500). If this item includes a checking account, it is displayed on the display device 22 so that the account number of the deposited check is entered. The account number is entered through the "digital keys" in the input device (23). In this example, the withdrawal request key with item 1 selected first is pressed. Then, when the bank clerk receives the check 200,000 won from the customer, the receipt confirmation key with item 2 selected is pressed, and the account number 3001 of the deposited checking account is entered.

When all items are selected or when the "input completion key" is pressed, the processing unit 28 checks the feasibility of the pause transaction list 67 of the storage unit 21 (step 510).

11 is a flowchart showing a procedure in which the money handling terminal 2 creates an executable transaction list and a pause transaction list. The conditional "withdrawal request" and "balance of 8010-100,000 won" of the first item of the temporary transaction list of the storage device 21 are applied with the withdrawal request from the money handling terminal (2) and the balance of 8010 300,000 won. Is satisfied, the corresponding transaction contents "8010-100,000" and the corresponding transaction contents "100,000 won withdrawal from the window" are stored in the storage device 21 as an executable transaction list (step 630). The balance list 64 of the storage device 21 is simultaneously updated to 200,000 won (step 640), and this item is deleted from the pause transaction list 67 (step 650). In addition, in the condition of the second item, the “check 200,000 won deposit” is satisfied by the receipt of the check receipt key from the money handling terminal (step 620), so the account entered in the corresponding checking account (check account) "3001-200,000 won" and "8010 + 200,000 won" with the number 3001 are added to the viable transaction list (step 630), the balance list is updated to 400,000 won (step 640), and this item is a paused transaction list. It is deleted at (67). Transactions that take a long time to cash checks from other banks are maintained until the balance of 3001 is confirmed, even if the balance is updated. The third conditional “8010 balance – 400,000 won” is retained since 200,000 won out of the balance of 8010 – 400,000 won is maintained. Since all items of the pause transaction list 67 have been examined, the processing unit 28 extracts “100,000 won in cash” from the executable transaction list in the storage unit 21 and sends it to the deposit and withdrawal unit 27. . The deposit and withdrawal device 27 withdraws 100,000 won (step 530). The processing unit 28 transmits the remaining executable transaction list 73 (FIG. 30), the pause transaction list 74 (FIG. 31), and the customer identification number 0003 to the host computer 3 (step). 540). The host computer 3 updates the deposit balance file 4 using the executable transaction list 73 and sets the flag of 8010 to one. The pause transaction list 74 is stored in the pause transaction file 5. The money handling terminal 2 prints the transaction contents by the printing device 25 (step 550), collects the customer identification medium (step 570), and completes the money handling process.

Later, when 200,000 won held in 8010 is updated to the available state, the host computer 3 leads the pause transaction list of the customer identification number 0003 including 8010 in the pause transaction file 5, and pauses. After confirming that the conditional balance of the transaction list 74 "8010-400,000 won" has been satisfied, the corresponding transaction contents "8010-400,000 won" and "2001-3 + 400,000 won" are executed, and their maturity date is "specified date." 3 years later ”. After that all transactions are completed.

According to the present invention, it is possible to collectively designate a transaction which can be executed immediately at the time of transaction designation and a transaction which cannot be executed immediately.

(f) An example of the designation of a transaction using a general-purpose terminal after storing securities and cash is described.

A case in which a customer holding a bank deposit card of a trading bank stores a check of 500,000 won in a special deposit, and later, designates a transaction using the universal terminal 6 at home. In this case, a deposit of KRW 150,000 is put into the bank A's 5432 account and 100,000 KRW's into the bank B's 6543 account, and the remaining 250,000 KRW is deposited into the two-year deposit. The customer first inserts a bank deposit card into the customer identification device 24 of the money handling terminal 2 at the money handling window. The customer identification device 24 reads the customer identification number from the bank deposit card and stores it in the storage device 21 (step 420). The bank clerk receiving the check from the customer enters the total amount of the received amount and presses the receipt receipt confirmation key (step 500). Since the transaction details are not specified, the customer identification number and the amount stored in the storage device 21 as the deposit amount of the special deposit are transmitted to the host computer 3 (step 540) and stored in the deposit balance file 4. When the money handling terminal receives a storage completion message from the host computer 3, the bank deposit card is returned, a customer identification medium is issued (step 580), and the transaction procedure ends after the transaction contents (receipt) are printed. do.

After this operation, if the host computer 3 is called from a general-purpose terminal 6 such as a personal computer, the host computer 3 executes customer identification, reads the customer balance list from the deposit balance file 4, and then transfers the transaction contents. As an option for specifying the input order and the transaction details, it is transmitted to the general-purpose terminal 6 and displayed on the general-purpose terminal 6. The transaction contents are input via an input unit such as a personal computer in the order of input. First, “Transfer” is selected as a transaction item, “Special Deposit” is selected as a financial item, “150,000 KRW” and “A Bank 5432” is selected as an alternative amount, and “There is next transaction item” is selected. . Similarly, "Replace" and "Special Deposit" are selected, and the replacement amount "100,000 won" and the replacement place "B Bank 6543" are entered. Continuing with "the next transaction item," "Deposit", "Regular Deposit", "2 Years" and "Special Deposit" are selected, and "250,000 Won" is selected as the deposit. Finally, "No next transaction" is selected and the transaction designation sequence ends. The entered transaction contents are stored as the transaction contents list 75 (FIG. 32) in the storage of the host computer 3.

The host computer 3 creates an executable transaction list 76 (FIG. 33) and a pause transaction list from the transaction contents list 75, and stores it in the storage device. The transaction details of the Executable Transaction List 76 consist of “8233 (Special Deposit)-500,000 KRW”, “A Bank 5432 + 150,000 KRW”, “B Bank 6543 + 100,000 KRW”, and “2007/1 +250,000 KRW”. The paused transaction list is empty. After updating the deposit balance file 4 using the executable transaction list 76, the host computer 3 transmits the transaction completion to the general-purpose terminal 6, and ends the transaction designation order and transaction. When the printing device is connected to the general-purpose terminal 6, the transaction contents can be printed.

In the case of executing this transaction, when the transaction content is printed on the money handling terminal 2, the identification symbol for identifying the transaction is also printed, and the coincidence of the identification symbol for designating the transaction determines the possibility of receiving the designation of the transaction. It is used as information. The symbol printed or imprinted on the customer identification medium issued by the money handling terminal 2 is used as information for determining the acceptability of the designation of this transaction.

The present invention can also be applied to the case where the customer identification medium issued by the money handling terminal is inserted into the transaction designation terminal 1 after the transaction contents are designated by the general purpose terminal 6 such as a personal computer. The valid or invalid information on the customer identification medium is maintained in the transaction processing system, and when the invalid customer identification medium is inserted, the customer identification medium is collected into the apparatus.

By the above, if the customer deposits cash or securities at the cashier's counter, it can be applied as a resource to specify the method of handling the deposit at a place other than at home or bank. The deposit once deposited in the bank is used as a transactional resource without cashing, so there is no need to cash the deposit each time a transaction takes you back and forth between banks. In addition, the check and storage operations associated with cash deposits or withdrawals are reduced in one operation, thereby reducing the burden on the banker.

(g) Describe one example of a transaction in which a customer identification medium is substituted as a bank deposit card.

In the above example, the bank deposit card and the customer identification medium are used separately from each other, but the same function can be realized by substituting the customer identification medium as the bank deposit card. In this case, the "customer identification medium" in each embodiment may be replaced with a "bank deposit card".

According to the present invention, a payment handling terminal for paying or depositing money or one or more kinds of securities and a transaction designation terminal for specifying transaction details such as payment and account transfer are separately provided. This enables the customer to use the two devices in any order, thereby reducing the burden on the banker and reducing the waiting time for the customer. In addition, since the present invention provides a receipt receipt confirmation key for instructing the receipt of a payment through a bank clerk, it is necessary to increase the price of a check or a receipt such as a check or a receipt that cannot be easily handled by a machine or to pay an automobile tax later. The official receipt can also be dealt with. In addition, since there is no document for describing transaction details, the operation of handling the document can be eliminated.

Further, by specifying the transaction details and separating the receipts and receipts, it is possible to independently collect the receipts and the specification of the transaction details. Days that specify transaction details can be installed in department stores or public facilities other than banks, and the details of transactions can be specified at home through personal computers.

The structure of the pause transaction file enables the designation of a transaction without a financial instrument, and the transaction can be reserved. Therefore, the automatic execution of the transaction can be stabilized after the financial instrument is established.

As mentioned above, although the invention made by this inventor was demonstrated concretely according to the said Example, this invention is not limited to the said Example, Of course, it can change in various ways in the range which does not deviate from the summary.

Claims (8)

In a window service processing method for automatically executing a banking transaction by a computer control system having a host computer having a plurality of public terminals and a storage device, collecting, depositing, depositing, and receiving money and money including securities such as cash and checks. Step of storing financial transaction information such as deposit balances in the storage device to secure financial suspension such as transfer and money collection, and one item in the list of single bank transactions for which the money handling terminal handling the money in the public terminal A step of receiving an input for executing a collection or deposit of money and a transaction designation terminal designating a transaction content in the public terminal to execute a collection, deposit and replacement transaction as another item in the single bank transaction list. Receiving an input for which one of the receiving steps is an initially executed reception; The other is a reception performed next, and the host computer executes all items of a single bank transaction list in accordance with the existence of sufficient financial evidence regardless of the order of the receiving steps, the money handling terminal and The terminal which inputs the reception performed first in the said handling designation terminal issues the customer identification medium for customer identification according to the reception performed initially, and the said next of the said payment handling terminal and the said handling designation terminal. The terminal inputting the received reception comprises the step of collecting and issuing the customer identification medium inserted for the completion of the transaction having the next executed reception when the operation of each terminal is completed. How to do business. The method of claim 1, wherein the step executed by the host computer compares the total amount of the single bank transaction and the available balance regardless of the number of the receiving steps at the terminal to determine the feasibility of the single bank transaction list. A step of judging, classifying a single bank transaction list into a transaction list and a pause transaction list that can be executed immediately after transaction designation, and executing the transaction list executable regardless of the pause transaction list according to the judgment; And the step of storing the pause transaction list. The window service according to claim 2, further comprising: collecting a pause transaction list by the host computer on a regular basis and storing the collected pause transaction list as a pause transaction file at a central location of the terminal. Treatment method. 2. The method of claim 1, further comprising: displaying input user transaction details executed in one of the terminals, printing the transaction details, determining the feasibility of the transaction details, and receiving the first execution. And a step of guiding a customer by displaying another terminal with respect to the next received reception to complete the transaction, and communicating with the host computer to perform the execution. The terminal of claim 1, further comprising the step of providing a money receipt confirmation key indicating receipt of money and money through a person regarding receipt of securities that cannot be easily processed by a machine and operating by the bank employee in the money handling terminal. How to handle counter service. The method according to claim 1, wherein the issuing step includes a step of issuing a medium having record information including a total amount of money or money by the money handling terminal or transaction details specified by the transaction designation terminal. The method according to claim 1, wherein at least one of the receiving steps is executed in a general-purpose terminal external to the bank facility, and includes a step of connecting the general-purpose terminal to the bank facility via a public line. The method according to claim 4, further comprising a step of storing a program for controlling each of the steps and storing the transaction contents.

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