KR20000024589A - System for processing bank affairs through communication network and method therefor - Google Patents

Abstract

PURPOSE: A bank business processing system using a communication line and a method for the same are provided to simplify the management for a terminal system by operating a terminal system without an issue of cash. CONSTITUTION: A bank business processing system using a communication line comprises a terminal system(40) and a host computer(10). The terminal system is connected physically and logically to a bank network and is located at a predetermined business office(30) to issue a receipt corresponding to a sum of money according to a payment request of clients. The host computer controls and processes a whole financial transaction, executes the issue of the receipt according to the repayment request, and transfers the amount of contribution to an account number corresponding to the terminal system. A method for the same comprises the steps of: executing a payment request of client by operating a terminal system; issuing a receipt through the terminal system; transferring the amount of contribution to an account number.

Description

System for processing bank affairs through communication network and method therefor}

The present invention relates to a banking processing system, and in particular, the banking processing system and its processing using a communication line that can provide the overall banking functions, including cash payment services to customers without managing cash in the bank. It is about a method.

Recently, with the rapid development of communication technology, an online banking processing system called Home-Banking System or PC-Banking System has been developed and used in banking business. It is possible to withdraw cash through an automatic teller machine.

By the way, the above-described online banking processing system has the convenience that the customer can easily handle the banking operations such as account transfer using a telephone or a PC (personal computer) in his or her home or office. The drawback is that you cannot withdraw cash immediately.

In addition, the ATM has the advantage that the customer can easily handle a variety of banking operations, including automatic withdrawal of cash at any time, while the size of the device is large, where the ATM is installed Has limited access to customers and limited business hours. In particular, banks have a burden of managing a cash dispenser. That is, since the cash dispenser is to store a large amount of cash in the device, the bank must check the cash dispenser from time to time to manage the cash of the ATM, as well as to prevent the cash in the ATM is stolen. Means to do so will be required. And, this places a large limit on the installation place and the number of installation of the ATM, and as a result, the customer is a big obstacle to easily use the ATM.

Therefore, the present invention was created in view of the above circumstances, and it is possible to execute the cash payment function for the customer without storing cash in the device, so that the convenience of the customer is not limited by the installation place and the number of installations. An object of the present invention is to provide a banking processing system using a communication line and a method of processing the same.

Another object of the present invention is to provide a banking processing system using a communication line and a method of processing the same, including a cash withdrawal function and efficiently executing all banking operations, while reducing the size of the device used by the customer. There is this.

1 is a conceptual diagram illustrating the basic concept of the present invention.

2 is a perspective view showing a configuration example of the terminal device 40 in FIG.

3 is a block diagram showing the system configuration of the terminal 41 in FIG.

Figure 4 is a block diagram showing the system configuration of the banking processing system using a communication line according to an embodiment of the present invention.

Figure 5 is a block diagram showing the configuration of the linkage device in FIG.

FIG. 6 is an operation flowchart for explaining the processing operation by the host computer 611 in FIG.

FIG. 7 is a block diagram showing another configuration example of the bank network 61 in FIG.

8 is an external perspective view showing another configuration example of the terminal device 40 in FIG.

9 is an external perspective view showing still another configuration example of the terminal device 40 in FIG.

**** Brief description of the main parts of the drawing ****

10: host computer, 30: business office,

40: terminal device, 41: terminal,

42: input terminal, 50: communication line.

The banking processing system using the communication line according to the first aspect of the present invention for realizing the above object is logically and physically coupled to the bank network and installed at a predetermined office, and responds to the amount corresponding to the withdrawal request of the customer. A terminal device for issuing and processing a receipt, and controlling and processing an overall financial transaction, and executing receipt issuance processing for a customer through the terminal device in response to a normal withdrawal request from the terminal device; And a host computer for transferring the withdrawal amount to an account number corresponding to the terminal device.

In addition, at least one connection device is further provided between the host computer and the terminal device, and the connection device controls connection of the terminal device to the host computer or another network.

In addition, the banking processing method according to the second aspect of the present invention is provided with a host computer which is provided in the bank network to control and process the overall financial transaction, and is logically and physically coupled to the bank network and installed in a predetermined sales office, and the customer A banking processing system having a terminal device for providing financial services to a bank, comprising: a withdrawal request step of a customer operating the terminal device to execute a withdrawal request; and a normal withdrawal request from the terminal device through a terminal device It is characterized in that it comprises a receipt issuance step for issuing the withdrawal receipt processing, and a cash transfer step for transferring the withdrawal amount to the account number corresponding to the terminal device.

In addition, the banking processing method is characterized in that it further comprises a cash payment step of paying the cash corresponding to the receipt to the customer in the sales office.

According to the present invention having the above-described configuration, when a customer operates a cash withdrawal function by operating a terminal device installed in a business office, the bank network issues a receipt corresponding to the amount requested by the customer for the terminal device. In this way, the customer will be able to receive cash from the sales office based on this receipt.

Therefore, the size of the terminal device can be reduced, the manufacturing price of the terminal device can be lowered, and the management cost for managing the terminal device can be reduced.

Hereinafter, an embodiment according to the present invention will be described with reference to the drawings.

First, the basic concept of the present invention will be described with reference to FIG.

In FIG. 1, reference numeral 10 is a host computer of a bank. The host computer 10 is coupled to a main computer system (not shown) such as, for example, a financial settlement agency system through a dedicated line 20. The main computer system is a system that constitutes a financial common network. The host computer 10 combines the host computer 10 and the host computer of another bank through a physical and logical link to execute balance transactions and account transfers between banks. .

Further, reference numeral 30 (30 _{1 to} 30n) is a business office with a large amount of cash inflow, such as a gas station or a convenience store, and each of these offices is provided with a predetermined banking terminal device 40: 40 _{1 to} 40n. The device 40 is physically and logically coupled to the host computer 10 via a predetermined communication line 50, and has a function for processing a banking operation by a customer like a conventional ATM. However, the terminal device 40 is made of a compact device configuration by removing the cash holding function or cash payment function. The communication line 50 may be a separate dedicated line including a local area network (LAN), a wide area network (WAN), or a public telephone network such as a public switched telephone network (PSTN) or an integrated services digital network (ISDN). A wireless network such as a wireless local network (WLL) or a mobile communication network may be used, and a packet network such as the Internet or an Ethernet may be used.

In addition, the host computer 10 and the terminal device 40 may be combined through a separate linkage system, and also manage the inquiry or approval of a credit card or the like or purchase of goods through the linkage card through the linkage system. It is also possible to combine the host computer of the VAN network with the customer to perform the VAN service, such as credit card business through the terminal device (40).

In the above system, the terminal device 40 is equipped with a normal banking processing function as described above, so that the customer can perform banking operations such as account transfer or balance inquiry through the terminal device 40. In other words, when the customer operates the input key of the terminal device 40 and executes banking processing such as balance inquiry or bank transfer, the host computer 10 receives the customer from the terminal device 40 based on the data received from the terminal device 40. It will execute the desired business process. This banking process will be performed in the same manner as a normal banking process using an ATM. In addition, when the terminal device 40 and the host computer 10 are coupled through a separate linkage system, and the linkage system is coupled with a host computer such as a VAN network, a client or terminal device 40 is installed. The employee of the office can also execute the VAN task using the terminal device 40. In other words, the terminal device 40 can simultaneously provide the functions of a conventional ATM and credit card terminal.

On the other hand, the cash payment function through the terminal device 40 is possible through the organic business cooperation between the bank and the sales office. In other words, when a customer operates a terminal device 40 installed at an arbitrary office to execute a cash withdrawal request, the host computer 10 executes a balance inquiry based on the customer's account number, and then just withdraws the cash. By sending predetermined data to the terminal device 40 in response to the request, the receipt issuance processing corresponding to the amount requested by the customer is executed through the terminal device 40. When the customer requests a cash payment from the manager of the corresponding office 30 with the receipt issued by the terminal device 40, the office 30 pays the corresponding amount based on the receipt presented by the customer. Then, the host computer 10 ends the cash payment process for the customer by transferring the money withdrawn from the customer to the account number corresponding to the corresponding office.

In general, in case of gas stations or convenience stores, the cash is continuously accumulated because the customer pays cash and purchases gas or goods, and the cash is accumulated in the bank after the banking time is completed. There is a risk of theft etc., because in the above system, the sales office pays the customer on behalf of the bank, and the bank executes the deposit processing with the account number of the office. It is possible to obtain the convenience of automatic deposit processing without having to go and perform the deposit processing.

In addition, in the above system, since the terminal device 40 does not have to have a cash holding or a cash payment function, the size of the device can be reduced, and the manufacturing price can be significantly reduced.

In addition, in the system, since a separate system administrator in the bank does not need to manage the terminal device 40, the cost of system management can be greatly reduced.

In addition, in the above system, the terminal device 40 can be miniaturized, and since there is no need to hold cash in the terminal device 40, the terminal device 40 can be installed anywhere. It is possible to install a large amount of terminal device 40 at a low price. And, accordingly, if the installation place of the terminal device 40 is greatly increased, the customer can easily execute the banking service through the terminal device 40 in a close position, thereby greatly improving the convenience of the customer. do.

In addition, in the system, since the credit card business can be executed through the terminal device 40, the terminal device 40 can be installed in place of the existing credit card terminal.

In addition, in the above system, since many customers visit the sales office 30 for the use of the terminal device 40, the sales office can increase the sales.

On the other hand, Figure 2 is a perspective view showing the configuration of the terminal device 40 in Figure 1, which is composed of a terminal 41 for the office manager and an input terminal 42 for the customer to execute the banking process . In addition, the terminal 41 and the input terminal 42 are coupled via a serial interface, for example.

Here, the terminal 41 is coupled to a network (or a host computer) such as a bank or a VAN company through a predetermined communication line 50 as described with reference to FIG. Function key 411 for selecting banking services such as bank transfer, bank transfer, etc., 10-key 412 for password input or amount input, and a card such as a cash card or credit card. A card reader 413 for inputting netic information, an LCD display unit 414 for displaying various usage information, a receipt output port 415 for printing and printing a receipt, and an encryption IC storing encrypted data It is configured to include a card insertion port 416 for inserting the card.

In addition, the input terminal 42 includes a function key 421 for allowing a customer to select credit card services such as credit card inquiry, approval, credit card cash service, and banking services such as withdrawal or bank transfer; 10-key 422 for amount input, card reader 423 for inputting magnetic information such as cash card or credit card, and LCD for displaying various usage information. The display part 424 is comprised.

3 is a block diagram showing the system configuration of the terminal 41, and the same reference numerals are attached to the same parts as in FIG.

In FIG. 3, reference numeral 421 denotes a control unit for controlling the entire apparatus of the terminal 41 and executing a communication function with a host computer to provide a banking service for a customer, and 422 includes a modem or a LAN card. In addition, the interface unit responsible for the interface, such as line matching between the terminal 41, the communication line 50 and the input terminal 42, 423 is a program memory for storing the operation program of the controller 421, Data memory for storing a variety of processing data, 425 is a key input for detecting the key operation of the function key 411 and 10-key 421 in Figure 1, 426 is a printer for printing a receipt to be provided to the customer 427 is a security IC card input to the terminal 41 through the card insertion hole 416 in FIG. Particularly, the security IC card 427 is provided with a predetermined unique number along with storing encrypted data for encrypting the data transmitted by the terminal 41. The unique number is stored in the host computer 10. It is used as an identification number for distinguishing the terminal device 40.

In the above configuration, the control unit 421 inputs the cash card information or the credit card information through the card reader 413 of the terminal 41, or operates the function key 411 or the 10-key 412. The corresponding input information is stored in the data memory 424 through the card reader 413 and the key input unit 425. The various types of inputted information are stored in the security IC card 427 by the controller 421. It transmits to the communication line with the number. In this case, the control unit 421 executes encryption processing on the predetermined data to be transmitted based on the encrypted data stored in the security IC card 427.

The above process is also executed in the same manner with respect to the information input through the interface unit 422 as the customer operates the input terminal 42.

Data transmitted through the communication line 50 by the control unit 421 is composed of a predetermined number of headers and information data, the information data is, for example, transaction date, transaction time, unique number of the terminal device 40 Common identification data that is common to all financial institutions, such as (identification number), work classification code and specialized type data indicating the type of work, transaction amount, user institution number, and Korean code classification, and withdrawal account number and password. It includes financial information data related to a specific bank, such as the name of the receivable account, the name of the withdrawal account, the balance of the account after the transaction and the amount of the fee. The controller 421 encrypts the financial information data based on the encrypted data stored in the security IC card 427 when the customer selects the banking operation by operating the function key 411 or 421. The transmission is over the line 50. Of course, in this case, if a separate encryption process is required in a non-bank system that can be accessed through the terminal device 40 such as a VAN network, the financial information data area will be encrypted and transmitted according to a corresponding encryption algorithm.

In addition, the control unit 421 executes various operation guides necessary for the user to use the terminal device 41 through the display unit 414 similarly to a conventional cash dispenser. If you input the magnetic information through), you will be prompted to output a message such as "Please enter your desired transaction details". Of course, such an input guide may be executed through a conventional voice guide system. In addition, the input guide is selectively provided and displayed for the terminal 41 and the input terminal 42 to be used by the customer.

On the other hand, Figure 4 is a block diagram showing an example of the system configuration of the banking processing system that allows the customer to process the banking using the terminal device 40 described above.

In FIG. 4, reference numeral 61 is a bank network, 62 is a VAN network for a credit card company, 63 is an individual enterprise network for integrating a plurality of stores or agencies, such as a chain store, and 64 is an independent individual. It is a business. Here, in the case of the bank network 61, the VAN network 62, and the individual enterprise network 63, which are integrated and operated through separate networks, predetermined linkage devices 612, 622, and 632 are provided. The linkage devices 622 and 632 are coupled to the gateway 613 of the bank network 612 as well as coupled to each other via a physical link such as E1 or T1 and a logical link such as the X.25 protocol. In addition, the gateway 613 is coupled to the linkage device 612 and the financial common network in the bank network 61 through a physical link such as E1 or T1 and a logical link such as an X.25 protocol. That is, the bank network 61, the VAN network 62, and the individual enterprise network 63 are coupled to each other through the linkage devices 612, 622, and 632.

Of course, in this case, the linkage device 632 in the individual enterprise network 63 and the linkage device 622 in the VAN network 62 need not be directly coupled to the gateway 613 and linkage device 612 in the bank network 61. It is also possible to combine through).

In addition, the VAN network 62 and the VAN affiliated store 623 and the store / agent 633 in the individual enterprise network 63 are provided with a terminal device 40, and these terminal devices 40 are each associated devices (e.g. 622, 632, through a given physical and logical link to the linkages 622, 632, through the linkages 622, 633 and the host computer (621, 631) and other networks in the network, respectively; To be combined. That is, the terminal device 40 in the VAN network 62 is coupled with the bank network 61 through the linking device 622, and the terminal device 40 in the individual enterprise network 63 is connected through the linking device 632. It is coupled to the bank network 61 and the VAN network 62. In addition, the individual establishment 64 is provided with a predetermined terminal device 40, which is coupled to the gateway 613 of the bank network 61 through a predetermined physical and logical link. That is, the terminal device 40 in the individual establishment 64 is coupled to the linkage device 612 in the bank network 61 through the gateway 613, and the linkage device 612 of the bank network 61 by the linkage device 612. It may be coupled to a host computer 611, a VAN network 62, or a financial common network.

As the physical link between the terminal device 40, the linking devices 622, 632, the gateway 613, the linking devices 612, 622, 632, and the host computers 611, 621, 631, for example, a LAN or the like. Is used, and for example, TCP / IP (Transmission Control Protocol / Internet Protocol) is used as the logical link.

Meanwhile, in the above configuration, the companion devices 612, 622, and 632 support a logical and physical coupling between the terminal device 40 and a host computer in the corresponding network, and may also support a logical and physical coupling with other networks. Required.

5 is a block diagram showing the configuration of the associated device, which is a communication management device 71 for supporting and managing the TCP / IP and X.25 communication methods as in the usual case, and this communication management device 71. Specialized receiving device 72 for receiving a message input through the professional receiving device 72, a specialized processing device 73 for converting the received message through the professional receiving device 72 into a special format suitable for the network to which the message is sent, Data for managing the database 76 based on the specialized transmission device 74 for transmitting the message converted by the specialized processing device 73 and various specialized data processed by the specialized processing device 73. And a base management system 75.

The linkage apparatus executes the linkage processing based on the common information data of the reception message received from the terminal device 40. That is, for example, when the full text according to the TCP / IP protocol is received from the terminal device 40 through the communication management device 71 and the professional receiving device 72, the professional processing device 73 is the common information of the corresponding text. Based on the work classification code and the specialized type data included in the data, the specialized conversion processing is executed in the specialized form required at the destination, and the converted specialized data is again converted into the specialized transmission device 74 and the communication management device 71. Through the transmission process to the network. At this time, the communication management apparatus 71 executes protocol conversion processing between TCP / IP and X.25 so that normal data transmission / reception processing can be executed.

In particular, in the linking device 612 in the bank network 61, the specialized processing device 73 has an encryption and decryption function, and as described above, the financial information data encrypted and received by the terminal device 40 are decrypted. In addition, for example, encryption processing is performed on the financial information data transmitted from the host computer 611 to the terminal device 40.

In FIG. 4, the host computer 611 of the bank network 61 is provided with a database 611a for storing various financial information about the customer as in the usual case. In the present invention, the database 611a is provided. ) Corresponds to the unique number of the terminal device 40 is stored a predetermined account number. When the customer executes the withdrawal operation through the terminal device 40, the host computer 611 executes a predetermined professional process to execute a receipt issuance process for the corresponding terminal device 40 and the terminal device. For the account number corresponding to the unique number of 40, an account transfer process of the amount corresponding to the amount of receipt issuance is executed.

Next, the operation of the system having the above-described configuration will be described.

When the customer or the office manager inputs the desired transaction details using the terminal device 40 shown in FIGS. 2 and 4, the terminal device 40 is based on the input information and the magnetic information input by the customer. The full text corresponding to the transaction is generated and transmitted to the associated device. Then, in the associated device, as described above, based on the work classification code and the specialized type data included in the common information data transmitted from the terminal device 40, the destination to which the corresponding full message should be transmitted is determined, and the corresponding In addition to executing the professional conversion processing in the special format suitable for the destination, the protocol conversion processing is executed to transfer control to the corresponding destination.

For example, when a customer executes a VAN business function such as a desired credit card business by using the terminal device 40 installed in the individual business 64, the full text generated by the terminal device 40 is a gateway ( 613 is transmitted to the linking device 612 of the bank network 61, and the linking device 612 converts the corresponding text based on the common information data included in the corresponding text, and then the gateway 613. By transmitting to the associated device 622 in the VAN network 62, the transaction can be delivered to the VAN host computer 621.

When the customer selects a banking transaction using the terminal device 40, the companion device 612 first decodes the encrypted reception message, and then determines whether the corresponding banking transaction is a current or another business. In the case of a banking business, the bank converts the data into a specialized format suitable for the bank network 61 and transmits it to the host computer 611. After converting to a full text, the gateway 613 transmits the data to the financial common network.

Since the bank processing service is processed in the same manner as the processing operation by the conventional ATM machine, a detailed description thereof will be omitted.

On the other hand, when the customer executes the cash payment function through, for example, the terminal device 40 installed in the individual establishment, the terminal device 40 generates a predetermined text based on the transaction information and magnetic information input by the customer. Thereafter, the generated telegram is transmitted through the communication line, and the telegram thus transmitted is transmitted to the linking device 612 through the gateway 613 in the bank network 61. Of course, even in this case, as described above, the companion device 612 executes a decoding process on the full text received from the terminal device 40.

On the other hand, in the associated device 612, the professional processing device 73 of FIG. 5 decrypts the received text and then the current customer based on the work classification code and the specialized data included in the common information data of the corresponding text. It is determined whether the customer is a party transaction customer or a party transaction customer. If the customer is a party transaction customer, a transmission message for the host computer 611 of the bank network 61 is generated and the professional transmission device 74 and the communication management device 71 are generated. ) To the host computer 611.

Subsequently, when the host computer 611 receives a predetermined telegram relating to withdrawal from the associated device 612 as shown in FIG. 6 (step ST1), the host computer 611 uses a database (based on the financial information data included in the received telegram). 611a) determines whether the amount requested by the customer can be withdrawn (step ST2, ST3). In this case, if the customer's account balance is sufficient and withdrawal is possible, a full message to withdraw the amount to the customer is generated and sent to the associated device 612 (ST4 step). An error message including the corresponding error information is generated and sent to the associated device 612 (step ST5). Subsequently, when the host computer 611 sends the withdrawal text in step ST4, the host computer 611 reads the account number corresponding to the unique number of the terminal device 40 used by the customer from the database 611a and withdraws the money to the customer. The amount equivalent to the amount will be transferred to the account.

On the other hand, when the telegram transmitted from the host computer 611 is received by the linkage device 612, the specialized processing device 73 of the linkage device 612 in FIG. 5 first through the database management system 75 The base 76 will be updated. That is, the linkage device 612 executes the aggregate processing such as transaction type and transaction contents based on the received full text. Then, the companion device 612 transmits the full text to the original terminal device 40 through the gateway 613 after executing the full text conversion processing and encryption processing for the full text transmission.

Subsequently, in the terminal device 40, the control unit 421 in FIG. 3 decrypts the received text based on the encrypted data stored in the security IC card 427, and then uses the printer 426 based on the text. By driving, a withdrawal receipt or an error message is output. In addition, when the withdrawal receipt is output here, the withdrawal amount is output through the display unit 414 so that the sales manager can confirm the amount to be paid to the customer, and the corresponding amount data is sent to the input terminal 42. By outputting to the display unit 424 of the input terminal 42 so that the customer can check his withdrawal amount. In addition, the sales office manager ends the withdrawal process for the customer by receiving a signature of the customer on the receipt and paying a corresponding amount.

On the other hand, if the result of the determination in the associated device 612, the transaction customer is the other party transaction customer in Figure 5, the professional processing device 73 performs a professional conversion process in a specialized format for transmission through the financial common network; The converted message is output through the professional transmission device 74 and the communication management device 71. Then, the output message is transmitted to the financial common network through the gateway 613.

Subsequently, when a withdrawal message or an error message for withdrawing the amount from the financial network to the customer is received for the transmission message and is received by the connection device 612 through the gateway 613, the connection device 612 As described above, the received message is converted and transmitted to the corresponding terminal device 40. In addition, the terminal device 40 drives the printer 426 based on the message received from the companion device 612. The display unit 414 is controlled to display.

Therefore, even in this case, the customer can receive the corresponding amount from the sales office manager based on the receipt output from the terminal device 41.

In addition, in the case of the other withdrawal transaction as described above in FIGS. 4 and 5, the linkage device 612 stores the transaction in the database 76 through the database management system 75 to use as settlement data between banks. Also, by generating a full text for the transfer of money related to the transaction and transmitting it to the host computer 611, the host computer 611 can transfer the withdrawal amount to the account number of the corresponding office in real time. do. In this case, the specialized transmission to the host computer 611 for money transfer takes into account the processing load of the host computer 611, and aggregates the data stored in the database 76 by a predetermined time unit or daily unit. It would be desirable to process.

That is, in the above embodiment, when a customer requests withdrawal from a bank using an arbitrary terminal device 40, the bank transaction processing system including the bank network 61 receives a withdrawal receipt for the terminal device 40. In addition to the issuance processing, by performing the transfer process to the account number corresponding to the terminal device 40, the customer can receive the desired amount from the sales office manager based on the receipt.

Meanwhile, in the above embodiment, a separate linkage device 612 is installed in the bank network 61 so as to execute linkage processing with other networks or individual businesses, but does not use a separate linkage device. It is also possible to implement the present invention using the bank network as it is.

7 shows the configuration of a general bank network. The bank network includes a host computer 611 and a gateway 613 as described above. In addition, a plurality of cash dispensers (700: 700 _{1 to} 700 n) installed at each bank branch to execute cash in / out processing, and a relay system 710 for specialized transmission and reception between these devices. It is configured to include. In addition, the host computer 611, the gateway 613, the cash dispenser 700, and the relay system 710 may be coupled to each other via a physical link 720 such as a LAN and a logical link such as TCP / IP.

In the above configuration, the relay system 710 relays the professional transmission and reception between the host computer 611 and the cash dispenser 700, the host computer 611 and the gateway 613, and the cash dispenser 700 and the gateway 613. In addition, it has a specialized conversion processing function, and also has an encryption and decryption function for financial information. That is, the relay system 710 is configured with substantially the same configuration and function as the linkage device 612 in the bank network 61 in FIG. Therefore, as shown in FIG. 7, the gateway 613 is coupled to the linkage devices 622 and 632 of the VAN network 62 and the individual enterprise network 63 and the terminal 40 of the individual store 64. It is possible to practice the present invention. In conclusion, since the present invention can be implemented without modifying the existing bank network, the present invention can be applied at low cost.

In addition, this invention is not limited to the said Example, It can implement in a various deformation | transformation in the range which does not deviate from the technical summary of this invention.

That is, for example, in the above-described embodiment, a case in which a customer withdraws cash from a bank account has been described. However, the present invention may be performed even when a customer receives a financial service such as a cash service using the terminal device 40. The same can be applied. In addition, it is also possible for the customer to provide a predetermined amount to the office and to execute the deposit processing through the terminal device 40. In this case, the host computer 611 in the bank network 61 is connected to the terminal device 40. Issuing a deposit receipt through, and executes the deposit processing for the corresponding deposit account, and also to perform the settlement processing to withdraw the corresponding amount from the account number corresponding to the terminal device (40).

In the above embodiment, the case in which the terminal device 40 is configured as the office manager terminal 41 and the input terminal 42 has been described. However, the terminal device 40 may have a different configuration.

That is, FIG. 8 and FIG. 9 are diagrams showing another configuration example of the terminal device 40. As shown in FIG. In the configuration shown in Fig. 8, the terminal manager 41 is provided for the customer, and the office manager when the customer performs the withdrawal operation through the terminal 41 by combining a separate liquid crystal display 43 with the terminal 41. Is to check the amount of money data through the display device (43).

9 shows another configuration example of the terminal device 40, which shows an example of configuring the terminal device 40 using the terminal 41 and the personal computer 45.

In this configuration example, a personal computer 45 is provided for the office manager. The personal computer 45 is then coupled with the terminal 41 via a predetermined serial port. In the above configuration, the customer executes the banking process through the terminal 41, the cash amount to be withdrawn by the customer is printed out through the terminal 41, and the amount data is monitored by the personal computer 45. Will be output via

In this case, the personal computer 45 may be provided with a separate card reader, and the office manager may execute a credit card inquiry through the personal computer 45, and attach a separate small camera to the customer. When the withdrawal operation is executed, the camera can be operated to prevent card theft or the like.

As described above, according to the present invention, since the terminal apparatus does not have to have a cash holding or a cash payment function, the size of the apparatus can be reduced, and the manufacturing price can be significantly reduced.

In addition, in the present invention, there is no need for a separate system administrator to manage the terminal device in a bank, thereby greatly reducing the cost of system management.

Further, in the present invention, the terminal apparatus can be miniaturized, and the need for holding the cash in the terminal apparatus is eliminated, so that the terminal apparatus can be installed regardless of the place, and a large amount of terminal apparatus can be installed at low cost. It becomes possible. In addition, if the installation place of the terminal device is greatly increased accordingly, the customer can easily execute the banking service through the terminal device in the near position, thereby greatly improving the convenience of the customer.

In addition, in the present invention, since the credit card service such as credit card approval or inquiry is enabled through the terminal device, it is possible to install the terminal device in place of the existing credit card machine.

In addition, in the present invention, since many customers visit the sales office for the use of the terminal device, the sales office can obtain the effect of increasing the sales.

Claims (19)

A terminal device which is logically and physically combined with a bank network and installed in a predetermined office, and issues a receipt corresponding to a corresponding amount for a withdrawal request of a customer; A bank network is provided to control and process an overall financial transaction, and to execute a receipt issuance process for a customer through the terminal device in response to a normal withdrawal request from the terminal device, and corresponding to the terminal device. Banking processing system using a communication line comprising a host computer for transfer processing by account number. The method of claim 1, The terminal device includes a function key for selecting a financial transaction, a 10-key for inputting a number required for the financial transaction, a card reader for inputting magnetic information, and a printer for printing out transaction details by a customer. Banking processing system using a communication line, characterized in that provided with. The method of claim 1, The terminal device has a device unique number and sends the unique number to the host computer together with the customer's financial transaction information, And said host computer comprises data storage means for storing an account number corresponding to said unique number. The method of claim 1, The terminal device is coupled to the communication line and the terminal for the office manager, Banking processing system using a communication line, characterized in that coupled to the terminal and comprises a customer input terminal for inputting transaction information. The method of claim 4, wherein The terminal includes an interface means for coupling with a communication line, a function key for selecting a financial transaction, a 10-key for inputting a number required for a financial transaction, a printer for printing a transaction history by a customer, And a display means for displaying the amount of withdrawal to the customer, a card reader for inputting magnetic information, and a security IC card for storing encrypted data and a predetermined unique number, The input terminal comprises a function key for selecting a financial transaction, a 10-key for inputting a number required for the financial transaction, and a display means for displaying the transaction details. Banking system. The method of claim 1, The terminal device includes an interface means for coupling with a communication line, a function key for selecting a financial transaction, a 10-key for inputting a number required for the financial transaction, and a printer for printing out the transaction details by the customer. And a terminal having display means for displaying financial transaction information, and a security IC card storing encrypted data and a predetermined unique number; In addition to the terminal, the banking processing system using a communication line comprising a display means for displaying the withdrawal amount output through the printer. The method of claim 6, The display means is a banking processing system using a communication line, characterized in that a personal computer. The method according to claim 1 or 7, The terminal device is a banking processing system using a communication line, characterized in that further comprises an image pickup means for inputting and storing the image of the customer using the terminal device. The method of claim 1, The sales office is a banking processing system using a communication line, characterized in that for paying the customer cash equivalent to the withdrawal amount described in the receipt issued from the terminal device. The method of claim 1, At least one linkage device is additionally provided between the host computer and the terminal device. The linkage device is a banking processing system using a communication line, characterized in that for connecting and controlling the terminal device to the host computer or another network. The method according to claim 1 or 10, The terminal device transmits the transaction information by the customer in a predetermined professional format, The full text includes common information data corresponding to a network that can be combined by the connection device, and financial information data corresponding to the bank network. The linkage device is a banking processing system using a communication line, characterized in that for controlling the connection to the terminal device on the network based on the common information data. The method of claim 10, The terminal device is a banking processing system using a communication line, characterized in that for transmitting the encrypted financial information data. The method of claim 10, The linking device is a banking processing system using a communication line, characterized in that the relay device for performing a professional relay processing between the host computer and the cash dispenser in the bank network. The method of claim 10, When the associated device receives a full text indicating cash withdrawal from another network, a bank using a communication line for executing a receipt issuance process for a customer by generating and sending a predetermined withdrawal text for the terminal device. Work processing system. Bank business processing comprising a host computer provided in the bank network to control and process an overall financial transaction, and a terminal device which is logically and physically coupled to the bank network and installed in a predetermined office and provides financial services to a customer. In the system, A withdrawal request step of a customer operating a withdrawal request by operating the terminal device; A receipt issuing step of issuing and processing a withdrawal receipt through a terminal device for a normal withdrawal request from the terminal device; And a cash transfer step of transferring the withdrawal amount to the account number corresponding to the terminal device. The method of claim 15, And a cash payment step of paying cash corresponding to the receipt to a customer at a business office. A terminal device which is logically and physically combined with a bank network and installed in a predetermined office, and issues a receipt corresponding to a corresponding amount to a customer's deposit request; It is provided in the bank network to control and process the overall financial transaction, to execute the receipt issuance process for the customer through the terminal device for the deposit request from the terminal device, and based on the deposit amount And a host computer which executes deposit processing and withdraws the amount corresponding to the deposit amount from the account number corresponding to the terminal device. Bank business processing comprising a host computer provided in the bank network to control and process an overall financial transaction, and a terminal device which is logically and physically coupled to the bank network and installed in a predetermined office and provides financial services to a customer. In the system, A payment request step of executing a deposit processing by a customer operating the terminal device; Receipt issuance step of issuing a deposit receipt through the terminal device for the payment request from the terminal device, A deposit processing step of executing deposit processing on the deposit account based on the deposit amount; And a settlement step of withdrawing the amount corresponding to the deposit amount from the account number corresponding to the terminal device. The method of claim 18, And a cash payment step in which the customer pays the cash corresponding to the receipt to the business office.