KR960012663B1 - Window machine - Google Patents

Abstract

No summary

Description

Window transaction processing system

1 is a block diagram showing the configuration of a transaction processing system according to an embodiment of the present invention.

2 is a system deposit transaction flowchart of FIG.

* Explanation of symbols for main parts of the drawings

1: store side system 2: cash processor

3A, 3B: Window treatment device 4: Control device

5: Number table issuance unit 6: Queue management unit

7: Cash Processing Unit 10: Number Table Issuing Unit

11: bankbook voucher 19: line

20: center

The present invention relates to a transaction processing system at a window of a financial institution such as a bank.

In a transaction processing system in a store such as a conventional bank, a customer passes an account, a slip and cash to a cashier at a teller in the case of deposit processing, and the cashier inserts the cash received at a cash dispenser or a cash dispenser connected to the teller. Cash will be deposited automatically.

On the other hand, in the case of withdrawal processing, the banker inputs the withdrawal amount, etc. into the teller processing unit according to the contents of the bankbook and the slip received from the customer, thereby making the amount of money specified by the customer at the cash dispenser or the cash dispenser connected to the teller processing device. The cash was automatically released and handed to the customer by the banker.

However, the transaction processing system requires an expensive cash processor at each window and also requires cash processing as a window transaction, so that the processing time is long and the waiting time of the customer is long.

Furthermore, there was a problem in that it was not desirable for safety because the customer had to carry the cash from the counter to the reception desk.

The present invention eliminates the problem of requiring the above-described expensive cash processor, the processing time is longer, the customer waiting time is longer, and the safety problem is eliminated, and the processing time is shortened and the safety is excellent. It is an object to provide a system.

In a financial institution such as a bank of the present invention, a cash transaction unit and a customer processing a cash transaction unit for a cashier processing system for executing a transaction with a customer and performing cash withdrawal processing for the customer in order to solve the problems of the prior art. Customer input section for inputting data, and customer queue section for issuing and reading number tables with magnetic stripe and handling counters, and queue management section for managing queues of unprocessed number tables in issued number tables. At least one teller machine comprising a cash processor provided with a cash register, a cashier issuing unit for issuing and reading a number strip with a self-stripe and a teller's number display, and an input unit for a banker to input transaction data by the banker; The information recorded in the number table is connected to the cash processor and the teller. On the basis of this, a control means for controlling the execution of the transaction processing is provided in correspondence with the cash processing by the cash processor and the window transaction processing by the window processing apparatus.

In the present invention, for example, when executing a deposit transaction, the customer first deposits cash by the cash processing unit of the cash processor and also inputs the transaction data by the customer input unit.

When these inputs are completed, the queue management unit searches for the queue, adds and updates the queue to the queue with the minimum handling window number, and the customer's issuing unit records the handling window number and the number of the corresponding window. Issue a ticket.

The customer receives this number and hand it over to the teller at the counter. The bank clerk inputs the transaction data at the bank clerk's input unit of the teller machine and inserts the handed number table into the customer issuing unit to read the recorded information.

The control means establishes as a series of transactions in correspondence with the cash processing by the cash processor and the window transaction processing by the teller processing apparatus based on the information read by the customer issuing unit and the information from the cash processor.

Therefore, the problem of the prior art is solved. Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a block diagram showing the configuration of a transaction processing system in a store of a financial institution such as a bank according to an embodiment of the present invention. In the figure, the system according to the present embodiment consists of the store side system 1 and the center 20. The store side system 1 includes a cash processor 1 for customers and a teller machine 3A for a bank clerk ( 3B), the controller 4 controls the execution of the transaction processing.

The customer's cash processor 2 issues a number table issuing unit 5 for issuing and reading a number table, and a queue for searching, adding and deleting an update queue of the unprocessed number table in the issued number table. A customer consisting of a keyboard having a management section 6, a cash processing section 7 of a customer operation for depositing and withdrawing cash, a CRT for displaying a deposit amount to a customer, and a confirmation key for notifying that the display has been confirmed. It is configured as a keyboard display 8 for use, and a control unit 9 for controlling the above-described units. The window processing apparatus 3A is a keyboard for inputting a ticket slip issuing section 10 for bank clerk operation that performs issuance and reading of a ticket, a bankbook slip processing section 11 for bank aid operation that prints a bankbook and a slip, and transaction data. And a keyboard display for a bank clerk 12, which is formed as a CRT for displaying transaction data and the like.

In addition, the window processing apparatus 3B has the same structure as the window processing apparatus 3A.

The control device 4 includes a file 15 for storing transaction data, a communication control unit 16 for controlling communication of the transaction data to the center 20 side, a cash processor 2, and a window processing unit 3A (3B) (3B). ) And a control unit 17 connected via a communication line 14 to control the file 15 and the communication control unit 16.

The center 20 is a communication control unit 21 for controlling communication of transaction data via a line 19 with respect to the communication control unit 16 of the control device 4, a ledger file 22 storing transaction data, and a center. It is comprised as the central processing unit 23 which performs all the processes of the side.

Next, the operation at the time of deposit transaction in the transaction processing system according to the present embodiment will be described with reference to FIG.

Here, the processing as a deposit transaction is described as an example.

First, the customer inputs the deposit cash brought as the cash processor 2 to the cash processing unit 7 (step 100).

As a result, the cash processor 2 counts the cash input (step 101), and displays the time of deposit and the handling subject on the CRT of the keyboard display 8 (step 102).

Next, the customer selects and inputs the handling subject displayed on the keyboard display 8 on the keyboard of the keyboard display 8 and presses the [OK] key installed on the keyboard display 8 when it is determined that the displayed deposit amount is correct (step 103). .

Then, the cash processor 2 stores the cash temporarily suspended after the counting (step 104), and the queue manager 6 searches the queue of the number table for which the transaction has not been completed by the handling window, so that the queue has a minimum queue. Select the queue of handling window numbers, add this transaction to the queue of handling line numbers per line, and update the queue (step 105).

Then, record the handling window number and the number at the window on the magnetic stripe of the number table housed in the cash processor (2), print the handling window number and the number at the window, and issue it at the number table issuing unit (5). Simultaneously with the tray (step 106), the control device 4 transmits the data such as a transaction number, a subject, a handling window number, a communication number at the corresponding window, and a deposit amount via the communication line 14 (step 107). The control device 4 receives the data from the cash device 2 and freely delivers it to the tug 15 (step 108). On the other hand, the customer removes the number ticket issued by the number ticket issuing unit 5 of the cash processor 2 (step 109) and performs a voucher ticketing operation in which the necessary information such as the deposit amount is written in the deposit slip (step 110). The document and bankbook which have been declared are handed over to the bank clerk of the teller processing apparatus 3A at the said window indicated by the number table (step 111).

The bank clerk inputs the transaction data as the keyboard display 12 according to the voucher entry details and sets the number book to the voucher voucher 11 in the voucher voucher 11 (step 112). .

The window processing apparatus 3A then sucks up the number table, usually the slip (step 113), reads the handling window number recorded in the number table and the serial number at the corresponding window (step 114), and displays transaction data on the keyboard display 12. (Step 115).

The bank clerk checks the transaction contents displayed on the keyboard display 12 and presses the [Done] key on the keyboard display 12 (step 116), whereby the window processing apparatus 3A displays the transaction number, subject, account number, and handling window. Transaction data such as the number, the number of times at the window, and the deposit amount is transmitted to the control device 4 via the communication line 14 (step 117).

The control device 4 receives the transaction data transmitted from the window processing apparatus 3A and freely delivers the transaction data to the file 15 (step 118). ), The same number is searched in the data from the cash processor 2 temporarily stored (step 119), and the presence or absence of the number is checked (step 120).

If there is the corresponding number, the check data is matched with the deposit amount received in the same number and the deposit amount received at the counter processing apparatus 3A (step 121). It transmits via the line 19 (step 122).

In the case where there is no such communication number and the amount of money does not match, the controller 4 notifies the counter processing apparatus 3A of the meaning, and the counter processing apparatus 3A performs abnormal processing such as reprocessing (step 123). .

The center 20 receives the transaction data from the control device 4, executes the transaction establishment process, updates the ledger file 22 (step 124), and informs the control device 4 that the transaction has been established. The book data is sent to the account book and the slip (step 125).

The control device 4 receives data from the center 20, erases the transaction data of the cash processor 2 and the teller machine 3A which are freely delivered to the file 15, and newly replaces the cash processor as transaction data. The transaction number, temporary window processor number, transaction number, temporary transaction subject, deposit amount, and book data are stored in the transaction log area of the file (15) to send transaction completion data to the cash processor (2). To 3A, bankbook and book data are sent to the document (step 126). After receiving the transaction completion data from the control device 4, the cash processor 2 performs a deletion update of the queue at the handling window corresponding to the transaction completion data in the queue management unit 6 (step 127).

On the other hand, after receiving the data of the book data from the control device 4, the window processing device 3A records the book and the book in the suction and discharges the number book, the book and the book (step 128).

The banker removes the discharged bankbook and returns it to the customer, and the deposit transaction is normally terminated (steps 129 to 131).

In the above embodiment, the keyboard is used as a means for inputting data or confirming input, but may be input means such as another touch panel or voice, or two counter processing apparatuses, one cash processor, or an incorrect number. .

As described in detail above, according to the present invention, since the cash processing by the cash processor and the window transaction processing by the teller processing apparatus are separated and corresponded to each other by the number information, it is established as a series of transactions. Since it is not necessary, the investment cost is inexpensive, and the safety is improved by shortening the customer's carrying time of cash, and the processing speed is further expected by the separation of the processing.

In addition, by managing the queue of the transaction processing incomplete number table by the handling window, the congestion of the handling window can be equalized without the concentration of transactions in one handling window.

Claims (1)

In a window transaction processing system for conducting transactions with a customer in a financial institution such as a bank, a cash processing unit for cashing in and out of a customer, a customer input unit for inputting transaction data, a magnetic stripe, and a handling window for a customer A cash processor, a self-stripe, and a teller window provided with a customer issuing unit for issuing and reading a number table having a number display and a queue management unit for managing a queue of transaction processing incomplete number tables in the issued number table. At least one window processing apparatus having a bank issuing unit for issuing and reading a number table having a mark and a bank input unit for inputting transaction data by a bank employee, and connected to the cash processor and the window processing apparatus, The cash processor and the cash processor based on the information recorded in the number sheet. Hatch transaction processing system, characterized in that in correspondence with the window transaction processing by the old processing apparatus having a control means for controlling the execution of the transaction.

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