KR20010077907A - An authorized acknowledgement system, a terminal for a responsible person in charge and a terminal for an authorized acknowledging person - Google Patents

Abstract

PURPOSE: An authorized acknowledgement system is provided to smoothly perform the approval request of the propriety of transaction from a person in charge to a manager and its feedback and to support the judgment of the propriety of manager approval in a financial institution. CONSTITUTION: The authorized acknowledgement system(20) has a customer information file(21) and outputs customer information based on customer information reference request, a terminal for a person in charge giving the reference request of customer information to the host system(20), obtaining customer information outputted from the host system(20) and outputting the manager approval request for a prescribed transaction with customer information and manager terminals receiving the manager approval request and customer information, displaying a transaction content included in the manager approval request and customer information to the manager and deciding the propriety of the transaction are installed.

Description

AUTHORIZED ACKNOWLEDGEMENT SYSTEM, A TERMINAL FOR A RESPONSIBLE PERSON IN CHARGE AND A TERMINAL FOR AN AUTHORIZED ACKNOWLEDGING PERSON}

The present invention relates to an approval responsible approval system, a person in charge terminal device, and an approval person in charge terminal device capable of smoothly approving data processing.

In branches of banks and other financial institutions, the person in charge of the window uses the person in charge terminal device connected through the communication control device to perform financial transactions such as payment and withdrawal, etc. as a window service.

At this time, the person in charge of each terminal device is determined to obtain approval from an administrator called the person in charge of approval in order to carry out the transaction when a large amount of money of a certain amount or more is to be performed. For this reason, the person in charge calls an approval person whenever an application for such a large transaction is made, and the person in charge of the approval is inconvenient to make an approval for approval to the terminal each time.

In order to eliminate such inconvenience, an approval responsible approval system has been developed, and a terminal apparatus is also placed near the person in charge of approval, and the processing is performed in the order shown below.

When requesting approval from the person in charge of approval, the person in charge shall record ① the relevant transaction name and details of the transaction, ② the details of the reason for requesting approval, and request the approval from the person in charge of approval.

The requested approval officer is generally judged on the basis of the two items described above, and approves the approval using the approval officer terminal device.

In the case of determining whether to approve the approval, as described above, it is usually judged as the two items, but in some cases, it is also required to judge customer information including attention information, accident information, and the like.

However, in order to obtain customer information, the inquiry transaction must be newly executed, and it takes a long time to approve or reject the approval, which causes troublesome and efficient approval operation.

The present invention has been devised in view of the above problems, and it is possible to execute an inquiry transaction to obtain customer information at the same time, and an approval responsible approval system, a person in charge terminal device, and an approval that can smoothly approve data processing. It is to provide a person in charge terminal device.

The configuration of the approval responsible approval system according to the present invention includes a customer information file and includes customer information providing means for outputting corresponding customer information based on a customer inquiry request, and a customer inquiry request to the customer information providing means. And a person in charge terminal device which obtains the customer information output from the customer information providing means, outputs the approval charge approval request for a predetermined transaction, and receives the approval charge approval request and customer information. It is characterized by including an approval officer terminal device for presenting the transaction content and customer information included in the approval request approval request, and outputting the decision of the transaction.

According to the above configuration, when the person in charge makes an approval request for approval using the person in charge terminal device, the customer inquiry request is automatically sent to the customer information providing means, and after obtaining the customer information from the customer information providing means, the information and In addition, an approval request approval request (including transaction contents as information) is sent to the approval officer terminal device. As a result, the approval person does not execute a new inquiry transaction, and the customer information can be referred to. The approval operation up to the determination is made efficient, and since the customer information is always displayed, the certainty of the approval judgment can be attained.

The configuration of claim 3 defines the configuration in the case where the configuration of the approval responsible approval system is viewed from the configuration side of the person in charge terminal device. That is, the configuration of the person in charge terminal device makes a customer inquiry request to the customer information providing means, obtains the customer information output from the customer information providing means, and approves an approval request for approval for a predetermined transaction with it. It outputs to the person in charge terminal device, characterized in that to display the transaction details and customer information included in the approval request approval request terminal device.

In addition, the structure of Claim 5 defines the structure at the time of seeing the structure of the said approval charge approval system from the component side of the approval person in charge terminal device. That is, the configuration of the approval officer terminal device receives the approval officer approval request and customer information from the officer terminal device, presents the transaction contents and the customer information included in the approval officer approval request, and outputs the determination of the decision of the transaction. Characterized in that.

BRIEF DESCRIPTION OF THE DRAWINGS The system schematic diagram which shows the whole structure of the approval charge approval system which is an example of embodiment which implements invention installed in the branch of a bank.

Fig. 2 is a device circuit schematic diagram showing the basic configuration of a terminal device in the approval system for approval in charge.

3 is an explanatory diagram showing a processing flow in which the sales office server device 30 records in the approval manager seat position list file 31 which approval officer terminal device the approval officer is registered.

Fig. 4 obtains customer information output from the customer information providing means from the person in charge terminal device, and obtains customer information outputted from the customer information providing means, and approves the approval request for approval for a predetermined transaction with the person in charge. Explanatory drawing which shows the processing flow output to a terminal device.

FIG. 5 is an explanatory diagram showing a processing flow for displaying transaction details and customer information included in an approval officer approval request to an approval officer terminal device; FIG.

6 is an explanatory diagram showing a data structure of a query request message;

7 is an explanatory diagram showing a data structure of inquiry data of customer information.

Fig. 8 is an explanatory diagram showing an approval request screen displaying current approval officer seat position information;

Fig. 9 is an explanatory diagram showing an example of a data structure of an approval responsible approval request specialist including inquiry data of customer information;

10 is an explanatory diagram showing a screen of an approval officer terminal device displaying transaction details of an approval responsible approval request specialist;

<Explanation of symbols for main parts of drawing>

10: terminal device

20: host system

21: Customer Information File

30: branch server unit

31: Approval Staff Seat Location List File

40: communication control device

100: LAN

101: CPU

102: RAM

102a: primary storage area

103: ROM

104: external memory

104a: floppy disk

104b: hard disk

105: input device

105a: keyboard

105b: pointing device

106: output device

106a: display

106b: Printer

107: communication device

110: OK button

111: Sir button

Hereinafter, the embodiment of the present invention will be described with an example shown.

BRIEF DESCRIPTION OF THE DRAWINGS It is a system schematic diagram which shows the whole structure of the approval charge approval system which is an example of embodiment which implements invention provided in the branch of a bank. In the figure, only the host system 20 constituting the customer information providing means is installed in a bank head office outside the branch office, and each terminal device 10 of the system connected via a LAN (Local Area Network) 50 communicates. The control device BS 40 is connected to the host system 20 of the main store via a dedicated line, and the whole constitutes the approval responsible approval system of the present invention.

The host system 20 is provided with the customer information file 21, and has as a part of the structure the customer information provision means which searches and outputs corresponding customer information based on a customer inquiry request.

One of the devices connected via the LAN 50 is the branch server device 30, and as will be described later, in this configuration, the approval staff seat position list file 31 is stored, and the file 31 is referred to. Therefore, before the approval officer approval request and the customer information are output from the person in charge terminal device 10 toward the person in charge of the person in charge of approval, the approval person's information of the person in charge of the person in charge of the approval person's terminal device 10 can be confirmed.

As shown in Fig. 2, the other terminal device 10 basically has the same configuration, and has a CPU 101, a RAM 110, a ROM 110, a floppy disk 104a or a hard disk via a bus. Input device 105 such as external storage device 104 such as 104b, pointing device 105b including keyboard 105a and mouse, and output device 106 such as display 106a or printer 106b. The communication device 107 which provides an interface for connecting to the LAN 50 is connected.

In addition, as will be described later, the person in charge terminal device 10 is provided with a primary storage area 102a serving as a buffer for temporarily storing inquiry data including customer information on the RAM 110. In addition, an approval request approval request button and customer information, which are displayed on the display 106a and are respectively clicked on the pointing device 105b of the input device 105 to output the approval request approval request, and the customer in charge is obtained. There is a ready button to send the approval request to the user. On the other hand, the approval person in charge terminal device 10 is also displayed on the display 106a and clicked on the pointing device 105b of the input device 105, respectively, so as to output the approval. The reject button 111 in the case of outputting is prepared in advance.

The person in charge terminal device 10 outputs an inquiry request message for making a customer inquiry request to the host system 20 by executing a program read from the hard disk 104b and outputs from the host system 20. It receives the inquiry data including the customer information, and transmits the approval request approval message (message) for a predetermined transaction with it. In addition, before sending the approval request approval request text, the authorized person accesses the branch server device 30 to confirm which approval person terminal device 10 is registered, and the person in charge of the approval is registered again. The inquiry request data of the approval person in charge terminal device 10 is transmitted, the inquiry response data is received, and a function of displaying it on the display 106a screen is provided.

The approval officer terminal device 10 similarly executes a program read from the hard disk 104b, thereby receiving inquiry data including the approval authority approval request full text and customer information, and being included in the approval authority approval request. A function of displaying the contents and the customer information together on the display 106a, and at the same time, outputting a decision on whether to approve the transaction by clicking on the OK button 110 or the reject button 111 of the approval person in charge. Equipped.

When the approval OK button 110 is clicked on the approval manager terminal device, the host system 20 assumes that a transaction with the approval request for approval has been established, and subsequent processing (for example, a payment transaction or a deposit / withdrawal transaction) is performed. Is executed. On the contrary, when the reject button 111 is clicked, the host system 20 assumes that the transaction has been rejected, and the subsequent processing (for example, notification of non-execution of a payment transaction or a withdrawal transaction) is performed.

3 is a branch of the approval office in order to make sure that the confirmation is immediately dropped when the inquiry request data of the approval officer terminal device 10 that the approval officer is registered is transmitted from the person in charge terminal device 10. It is explanatory drawing which shows the process flow which the server apparatus 30 records in the approval officer seat position list file 31 which approval officer terminal device 10 the approval officer is registered in.

1) When Abeichiro who is the approval person starts using terminal device #A, registration name of user's nomination (Abeichiro) and registration data of the terminal device number (A) is automatically transmitted to the branch server device 30. do.

2) On the branch office server device 30 side, the received user's designation name (Abechiro) and the terminal device number (A) are stored in the approval person's seat position list file 31.

3) When Itojiro, the person in charge of approval, starts using the terminal device #B, the name of the user (Itojiro) and registration data of the terminal device number (B) are automatically sent to the branch server apparatus 30. .

4) On the branch office server device 30 side, the received user's place name (Itojiro) and the terminal device number (B) are stored in the approval person's seat position list file 31.

5) When Wada Jujo, who is the person in charge of approval, starts using the terminal device #J, registration names of the user (Wada Jujo) and registration data of the terminal device number (J) are automatically transmitted to the branch server device 30. do.

6) The branch office server device 30 stores the received user's place name (Waju) and the terminal device number J in the approval person's seat position list file 31.

7) When Mr. Wada Jujo, the person in charge of approval, performs a seat operation to transfer from the terminal device #J, the name of the user (Wada Jojo) and the release data of the terminal device number (J) are automatically displayed at the branch server device 30. Is sent to.

8) On the branch office server device 30 side, the received user place name (oversized) and the terminal device reference number (J) are deleted from the approval officer seat position list file 31.

9) When Satosaburo, the person in charge of approval, alternates with Wada Jujo and starts using terminal device #J, the user's nomination (Satosabu) and the registration data of the terminal device number (J) are automatically stored in the branch server. Transmitted to the device 30.

10) On the branch office server device 30 side, the received user designation name (to the Satosa part) and the terminal device reference number J are stored in the approval officer seat position list file 3l.

As described above, the process flows 1) to 6) show an example of the approval person registration process, and the process flows 7) to 10) show an example of the approval person registration change process.

4 and 5, in the above approval charge approval system, a customer inquiry request is made to the host system 20 from the person in charge terminal device 10, and the customer information output from the host system 20 is obtained. Along with this, the approval officer approval request for a predetermined transaction is output to the approval officer terminal device 10, and the transaction contents and customer information included in the approval officer approval request are displayed on the approval officer terminal device 10. It is explanatory drawing which shows a processing flow.

11) For example, in a normal deposit payment transaction, when applying for a transaction requiring approval approval, such as a large withdrawal transaction, the person in charge of the counter is in charge of the terminal in order to make an approval request to the approval person in need. On the device #K, click the request approval button. When the approval request button is clicked, the inquiry request message (an example) having the data structure as shown in Fig. 6 is transmitted to the host system 20 from the person in charge terminal device #K. In other words, the specialized data structure includes a transaction information unit at the front and an input information unit at the rear thereof. The transaction information unit usually includes information such as deposit payment transaction (including click information of the approval request button), and the input information unit is input from the screen of the person in charge terminal device 10 [touch panel input or pointing device 105b). Click, etc.)], or the store number, account number, bank account balance, and other (Title 1, Brief 2, Brief 3), etc. of the requesting customer's account, which are input data of the keyboard 105a, are set.

12) The host system 20 receives the inquiry inquiry full message, searches for the corresponding customer information, and transmits the customer information as the inquiry data (answer) to the person in charge terminal device #K. Fig. 7 shows a data structure of such inquiry data of customer information. As the data, information (1) to information (n) are included.

13) The person in charge terminal device #K stores the received inquiry data in the primary storage area 102a.

14) Next, the person in charge terminal device #K automatically transmits inquiry request data to the branch office server device 30 for inquiring the list contents of the approval person seat position list file 31.

15) On the basis of the received inquiry request data, the branch office server device 30 transmits, as inquiry data (answer), to the person in charge terminal device #K who has requested the approval person seat position information in the store.

16) The person in charge terminal device #K displays the approval request screen by receiving this inquiry data. At this time, the current approval officer seat position information is displayed in the approval request screen as shown in FIG.

17) In order to reveal the transaction details requested for approval, the counter staff enters the reason statement as the reason for the approval request (for example, withdrawal of more than 5 million yen).

18) Then enter the approval number in front of Satozaburo (Example: 10).

19) In addition, in order to transmit the approval approval approval request text to the approval person (to Sasato department), the counter person in charge clicks the Done button. Accordingly, the approval charge approval request message is transmitted from the person in charge terminal device #K to the person in charge of the person in charge of the approval person terminal device #J (to Satoshi Department). At this time, the inquiry data of the customer information stored in the primary storage area 102a together with the above text is also transmitted. Fig. 9 shows an example of the data structure of the approval charge approval request specialist including inquiry data of customer information. The transaction information unit and the input information unit on the front side have the inquiry request data of FIG. 6, and the inquiry data of FIG. 7 is input to the inquiry data (customer information). In addition, the ID, name, Each data such as the reason for requesting approval is also provided.

The above 11) to 19) show examples of the approval charge approval operation of the counter person in charge requesting approval and the operation example of the person in charge terminal device #K.

20) The approval manager terminal device #J displays a message indicating that there is a request for approval of approval for approval. By that, Mr. Sato Saburo recognizes that there is a request for approval of the approval officer.

21) Approval person Mr. Satozaburo extracts transaction contents from the approval authority approval request document in order to visually check and check the content of approval person approval request.

22) On the screen of the approval manager terminal device #J, the transaction contents (eg, a normal deposit payment transaction) of the approval request approval specialist as shown in FIG. 10 are displayed. At this time, the customer information transmitted in 19) is also displayed after the next page.

23) The person in charge of approval Satosaburo visually checks and checks the transaction contents (eg, ordinary deposit payment transaction) and customer information of the approval request approval specialist.

24) If it is judged that there is no problem by the check which visually confirmed, the approval person in charge, clicks the approval OK button 110 of the approval person in charge terminal device #J, and performs approval operation approval operation.

25) The approval approval message is transmitted from the approval officer terminal device #J to the manager terminal device #K.

The above 20) to 25) show examples of the approval operation of the approval officer and an operation example of the approval officer terminal device #J.

26) Upon receipt of the approval OK notification from the approval officer terminal device #J, the responsible person terminal device #K automatically transmits a normal deposit payment transaction (approval OK portion) to the host system 20.

27) Based on that, the host system 20 executes the transaction and transmits the transaction establishment full text to the person in charge terminal device #K. In connection with this, printing process of a bankbook etc. is performed by the person in charge terminal device #K.

The above 26) and 27) show an operation example of the person in charge terminal device #J.

In addition, when the approval person in charge clicks the reject button 111 in the approval person in charge terminal device 10, the process of 25 is shifted, and the full message is sent from the approval person in charge terminal device #J to the person in charge of the person in charge terminal device #K. It is also transmitted to the host system 20 as it is. The host system 20 performs post-rejection processing, and transmits the full text of the transaction rejection to the person in charge terminal device #K.

In the approval responsible approval system having the present embodiment configuration described above, when the person in charge of the charge requests the approval responsible approval using the responsible person terminal device #K, the responsible person terminal device #K is automatically sent to the host system 20. Send the inquiry inquiry text. In addition, when the customer information is obtained from the host system 20, the person in charge terminal device #K transmits the approval charge approval request message (including transaction contents as information) to the person in charge of approval person terminal device #J together with the information. As a result, the approval manager Satosaburo does not execute a new customer inquiry transaction, and the customer information can be referred to, and the approval operation until determining whether the transaction is effective becomes efficient. Moreover, since customer information is always displayed, the certainty of approval decision can be aimed at.

In addition, the approval charge approval system (including the person in charge terminal device and the person in charge of approval device) of this invention is not limited only to the above-mentioned embodiment, A various change can be added within the range which does not deviate from the summary of this invention. Of course it is.

For example, the host system 20 may be installed in the store, not outside the store of the branch, or the whole approval system approval system may be installed in the main store. In that case, the branch server apparatus 30 may also serve as the host system 20.

Further, the above system configuration includes a server having the function of the host system 20, a server having the function of the branch office server device 30, and a diskless having the functions of the person in charge terminal device 10 and the person in charge of the approval person terminal device 10. By employing a client such as a diskless client and employing technologies such as Active Server Pages proposed by Microsoft, the client performs only the input / output of data by the browser and performs all the processing requested by the client. The processing may be performed on the server side, and the processing result may be returned to the client side in Dynamic HTML (Dynamic Hyper Text Markup Language), which may be performed in a format in which the result is displayed in a browser.

As described above, according to the approval responsible approval system, the person in charge terminal device, and the approval person in charge terminal device according to claims 1 to 5 of the present invention, when the person in charge makes a request for approval of approval using the person in charge device, the customer information is automatically provided. After sending the customer inquiry request to the providing means, obtaining the customer information from the customer information providing means, and sending the approval request approval request to the approval manager terminal device together with the information, as a result, the approval person performs a new inquiry transaction. The customer information can be referred to without execution, and the approval operation until the determination of the transaction is efficient, and the customer information is always displayed, thereby making it possible to achieve an excellent effect of ensuring the certainty of the approval decision. It becomes possible.

Claims (5)

Customer information providing means having a customer information file and outputting corresponding customer information based on a customer inquiry request; A person in charge terminal device which makes a customer inquiry request to said customer information providing means, obtains customer information output from said customer information providing means, and outputs an approval charge approval request for a predetermined transaction with it; An approval officer terminal device that receives the approval request for approval and the customer information, presents transaction details and customer information included in the approval request for approval, and outputs a decision on whether to approve the transaction. Approval responsible approval system comprising a. The method of claim 1, And after confirming the approval officer information of the approval officer terminal device, outputting a request for approval approval and customer information from the responsible person terminal device toward the approval officer terminal device. The customer inquiry request is made to the customer information providing means, and at the same time, the customer information outputted from the customer information providing means is obtained, and together with it, an approval request approval request for a predetermined transaction is output to the approval officer terminal device, and the approval is made. A person in charge terminal device, characterized in that the person in charge displays a transaction content and customer information included in the approval request for approval. The method of claim 3, And after confirming the approval officer information of the approval officer terminal device, outputting the approval officer approval request and customer information from the responsible person terminal device toward the approval officer terminal device. An approval officer terminal device, characterized in that receiving an approval officer approval request and customer information from a responsible person terminal device, presenting transaction details and customer information included in the approval officer approval request, and outputting a determination of whether or not the transaction is accepted.