經浐部中灰：ίέ4'·而hJ消贫合竹沿印>1 A7 B7 五、發明説明（t ) 發明所屬之技術領域 本發明係於銀行等金融機關之分行（營業店），管理 顧客資訊的金融線上系統，特別是，關於進行追隨依照顧 客的存款、提款等交易而逐次變動的顧客資訊之顧客資訊 資料庫的更新處理的金融線上系統。 發明背景 於銀行等金融機關所使用的金融線上系統，通常，中 心側的主計算機統一管理所@的分行的儲金或融資相關的 資料。主計算機，由被設置於各分行的終端裝置受訊交易 輸入資料而進行其處理，因應需要而更新原始帳目檔案， 做成交易輸出資料而向終端裝置送訊。各分行，由中心的 原始帳目檔案取得營業活動所需要的顧客資訊保持於終端 裝置，進行定期的顧客資訊的更新。例如，採用：主計算 機將原始帳目檔案作爲輸入來源，將每個分行的顧客資訊 暫時寫入磁碟片（FD)，使用轉換裝置將橫跨複數枚 FD上的顧客資訊集約於卡匣式磁帶機（CMT)上。接 著，將所完成的CMT配送至各分行，透過終端裝置而利 用該分行顧客資訊的方法。因此，分行顧客資訊的製作與 配送需要極大的勞力、時間、以及成本。此外，將存在於 FD上的多數顧客資訊重新容納於CMT，進而將製作完 成的CMT郵寄到各分行需要花上相當長的時間，而有不 易反應最新的交易狀況而不易取得顧客資訊等等問題。 本紙張尺度適用中國國家標準（CMS ) A4規格（210X297公釐） --------$-------IT--------©I (对先閣讀背面之注意事項再械寫本萸) -4- A7 B7 五、發明説明) 發明槪要 本發明之目的在於提供：各分行於取得顧客資訊時， 不須透過人工介入，而自動反應顧客的最新交易狀況更新 分行顧客資訊的系統。 於其中一個較佳的實施形態，根據本發明的金融線上 系統，包含有被設於（計算機）中心側的主計算機，及被 設於.分行的分行系統，及接續主計算機與分行系統的通訊 線路。主計算機，持有原始帳目檔案》分行系統，含有被 輸入交易資料的終端裝置，及接續此終端裝置的終端控制 裝置。終端控制裝置，具有保持與被設置該裝置的分行之 顧客相關的分行顧客資訊的分行.資料庫。於如此的系統， 透過終端裝置被輸入的交易資料，被藉由終端控制裝置送 往主計算機。主計算機處理交易資料，應需要而進行原始 帳目檔案的更新。主計算機，與作爲處理結果之所獲得的 交易輸出資料對終端控制裝置之送訊同步，將根據原始帳 目檔案的更新而更新分行顧客資訊之用的更新資訊送訊往 終端控制裝置。終端控制裝置，將交易輸出資料輸出至終 端裝置，基於更新資訊，更新分行資料庫的分行顧客資 訊。藉此’分行資料庫的分行顧客資訊，幾乎與主計算機 側的原始帳目檔案的更新同步被更新。 較佳之實施形態 第1圖係本發明之一實施形態之金融線上系統的構成 圖。主計算機8，係被設置於電腦中心的主計算機。原始 本紙張尺度適用中國國家標準（CNS ) A4说格（210X297公兼） - ---I I —I - - I = I I - n§ ! 11 n - I ml ii I— in In ^^1 - m 1^1 I ϋ i {諳先閱讀背面之注意事硕再^n本頁) 籽浐部中呔«.準而U.T消灸合作社卬ίί A7 B7 五、發明説明) 帳目檔案9，係被容納於被接續於主計算機8的記憶裝置 上，保持針對各分行的儲金關係、融資關係等資訊的主要 檔案（master file)。終端控制裝置2、ATM (自動櫃員 機、自動交易裝，置）6以及行員用終端裝置7，被設置於 分行（營業店）。終端控制裝置2，透過通訊線路5以及 未圖示的通訊控制裝置接續於主計算機8。終端控制裝置 2，係對主計算機8而言係終端裝置。ATM6以及行員 用終端裝置7，透過傳送線路接續於終端控制裝置2。顧 客資訊記錄檔（log file) 1 4係供更新從主計算機8所送來 的顧客資訊之用的容納資料的暫時記億用的檔案。顧客資 訊資料庫1 7，係供容納顧客資訊的資料庫。顧客資訊記 錄檔1 4及顧客資訊資料庫17，係被收容於接續在終端 控制裝置2的記憶裝置上。終端控制裝置2，由A T Μ 6 以及行員用終端裝置7看來，係成爲伺服機的資訊處理裝 置，具有文書送受訊部1 1、傳票編輯部1 2、顧客資訊 更新部16以及DBMS (資料庫管理系統：database management system ) 1 8。於本實施形態，文書送受訊部 1 1、傳票編輯部1 2、顧客資訊更新部1 6以及DBM S 1 8，係分別爲了達成下述功能，而被實現爲被容納於 構成終端控制裝置2的資訊處理裝置所持有的記憶裝置的 程式》上行文書3，係從終端控制裝置2透過通訊線路5 被送往主計算機8的詢問電文。於上行文書3，含有由於 在分行進行的交易而產生的輸入資料。下行文書1 0，係 從主計算機8透過通訊線路5向終端控制裝置2送訊的回 本紙張尺度適用中國國家標準（CNS ) A4規格（2丨OX 297公釐） (請先閲讀背面之注意事項再填?s本頁) ϋ - - n n - - n n - n - - - n - - - - - I --.....n. I I I - -I In n I n I ————————— -6- A7 B7 怒米‘部中央«.卑而hJ消灸合作*印絮 五、發明説明 答電文。於下行文書1 0，含有傳票資料等交易輸出資料 .與顧客資訊更新用資料。文書送受訊部1 1，將從 A TM 6以及行員用終端裝置7所輸入的交易資料以上行 文書3的形式向主計算機8送訊。文書送受訊部11，另 外將自主計算機8受訊的下行文書1〇分離爲交易輸出資 料與顧客資訊更新用資料，將交易輸出資料交給傳票編輯 部1 2，將顧客資訊更新用資料容納於顧客資訊記錄檔案 1 4。傳票編輯部1 2，編輯交易輸出資料之中的傳票資 料向A TM 6以及行員用終端裝置7轉送》文書送受訊部 1 1以及傳票編輯部1 2，係以線上即時的形態動作。顧 客資訊更新部1 6，係以一定的週期被啓動的離線（off-line) 動作的程式，從顧客資訊記錄檔1 4讀取顧客資訊更新用 的資料，透過D BMS 1 8更新顧客資訊資料庫1 7上的 顧客資訊。又，可以將本發明相關的文書送受訊部1 1以 及顧客資訊更新部1 6的程式容納於光碟、磁帶等記憶媒 體’透過光碟裝置、磁帶裝置等讀進終端控制裝置2而實 行。 主計算機8，從終端控制裝置2受訊上行文書3，進 行被輸入的交易資料的處理，因應需要而更新原始帳目檔 案9 ’作成交易輸出資料，作爲下行文書1 〇向終端控制 裝置2送訊。交易如果是會更新原始帳目檔案9者，主# 算機8 ’將顧客資訊更新用資料附加於交易輸出資料而向 終端控制裝置2送訊。 第2圖係顯示顧客資訊記錄檔案（i〇g file) 1 4的資料 (锖先閲讀背面之注意事項再填巧本頁) -訂 Φ.. A7 B7 五、發明説明^ ) " {誚先閱讀背面之注意事項再填寫本頁) 構成之一例之資料構成圖。顧客資訊記錄檔案14，係由 管理部14a與資料部14b所構成。於資料部i4b， 被收容著每次被受訊到的下行文書10之顧客資訊更新用 資料。顧客資訊更新用資料係可變長度者，於其前頭被附 加該資料的資料長度。於管理部14a，被容納著已經被 記錄的指標以及已更新的指標。已記錄的指標，顯示被記 錄於顧客資訊記錄檔1 4的最後資料的位址。已更新指 標，係顯示顧客資訊資料庫1 7的更新已經完成的最後資 料的位址。作爲兩個指標的値，例如可以將資料部1 4 b 的前頭設爲0時之種種應被顯示資料的最後資料位元組的 相位位元組位址的方式來表現。- MM部中头榀羋而只J.i«费合作Ti卬$ί 第3圖係顯示顧客資訊記錄檔案（log file) 1 7的資料 構成之一例之資料構成圖。顧客資訊記錄檔1 7的各筆記 錄，係以分行代號、帳號、科目爲主要鍵，具有以下包括 姓名，法人/個人的區別，年齡、居住地區，帳戶餘額等 資料項目的値。居住地區，例如係分行營業範圍內的地域 區分。又，爲了能夠知曉針對相同帳號以及科目的交易的 推察可以將各交易的交易年月日，存款/提款的區別，以 及交易金額僅僅最近的指定件數的資料附加於各筆記錄。 從主計算機8送來的顧客資訊更新用資料，其必須要的資 料項目包含分行編號、帳戶號碼以及科目，被附加更新的 資料項目的資料項目碼及資料項目値。 第4圖係顯示文書送受訊部11的處理流程之流程 圖。文書送受訊部11，受取由ATM6或者是行員用終 本紙張尺度適州中國國家標準（CNS)A4規格（2丨0X297公釐） -8 - A7 B7 五、發明説明g ) 端裝置7被輸入的交易資料（步驟4 1 )，作成上行文書 3向主計算機8送訊（步驟42)。主計算機8，檢査從 終端控制裝置2所受訊到的交易資料，因應需要而更新原 始帳目檔案9。主計算機8，在更新交易輸出資料與原始 帳目檔案9的場合，作成顧客資訊更新用資料，作爲下行 文書10向終端控制裝置2送訊。文書送受訊部11 ，受 訊由主電腦8送來的下行文書1 〇 (步驟4 3 )，進行資 料檢査（步驟4 4)。資料檢査之後，文書送受訊部 1 1 ’將含有下行文書1 〇的資料，分爲成爲送往 A TM 6或行員用終端裝置7的顯示裝置或是印表機的輸 出資料的傳票資料以及顧客資訊.更新用資料（步驟 45) 。傳票資料以及顧客資訊更新用資料之間，被插入 識別用的碼，藉由此識別用碼識別顧客資訊更新用資料的 開始部分。文書送受訊部11，將傳票資料傳遞給傳票編 輯部1 2 »傳票編輯部1 2，將傳票資料編輯成爲顯示畫 面、傳票或是存摺形式’傳送至ATM6或是行員用終端 裝置7 »另一方面，顧客資訊更新用資料，被容納於主記 憶上的編輯用緩衝記憶體。文書送受訊部1 1，對於被暫 時容納於編輯用緩衝記憶體的顧客資訊更新用資料，進行 傳送碼與內部處理碼之間的編碼轉換等的罈輯（步驟 46) ’容納於顧客資訊記錄檔14 (步驟47) 。將資 料容納於顧客資訊記錄檔案14時，文書送受訊部11， 參照顧客資訊記錄檔案1 4的管理部1 4 a取得已記錄指 標，藉由對已記錄指標加1而記錄所被顯示的記憶位置上 本紙張尺度適用中國國家標準（CNS ) A4规格（2丨0X297公釐） {請先閲讀背面之注意事項再壤寫本頁)The middle part of the Ministry of Economic Affairs: ί 4 '· then hJ poverty alleviation and bamboo along the India> 1 A7 B7 V. Description of the invention (t) The technical field to which the invention belongs The present invention is a branch (business) of a financial institution such as a bank, which manages An online financial system for customer information, in particular, an online financial system for updating a customer information database that follows customer information that changes gradually in accordance with transactions such as customer deposits and withdrawals. BACKGROUND OF THE INVENTION In a financial online system used by a financial institution such as a bank, generally, a host computer on the center side manages the savings or financing-related data of the branch @@ in a unified manner. The host computer processes the input data of the transaction received by the terminal device installed in each branch, updates the original account file as needed, makes the transaction output data, and sends the information to the terminal device. Each branch obtains the customer information required for business activities from the center's original account file and keeps it on the terminal device to update the customer information on a regular basis. For example, using: the host computer takes the original account file as the input source, temporarily writes customer information for each branch to a diskette (FD), and uses a conversion device to aggregate the customer information across multiple FDs into a cassette type On a tape drive (CMT). Next, a method of distributing the completed CMT to each branch and using the customer information of the branch through a terminal device. Therefore, the production and distribution of branch customer information requires great labor, time, and cost. In addition, it takes a long time to reaccommodate most of the customer information that exists on the FD to the CMT, and then mail the completed CMT to each branch, and it is difficult to reflect the latest transaction status and difficult to obtain customer information . This paper size applies the Chinese National Standard (CMS) A4 specification (210X297 mm) -------- $ ------- IT -------- © I The notes should be rewritten 萸) -4- A7 B7 V. Invention Description) The purpose of the present invention is to provide: when obtaining customer information, each branch automatically reflects the latest transaction status of the customer without manual intervention. System for updating branch customer information. In one of the preferred embodiments, the financial online system according to the present invention includes a host computer provided at the (computer) center side, a branch system provided at a branch, and communication between the host computer and the branch system. line. The host computer holds the original account file "branch system, which contains a terminal device to which the transaction data is input, and a terminal control device connected to the terminal device. The terminal control device has a branch and database that holds branch customer information related to customers of the branch in which the device is installed. In such a system, the transaction data input through the terminal device is sent to the host computer through the terminal control device. The host computer processes the transaction data and updates the original account files as needed. The host computer synchronizes the transmission of the transaction output data obtained as a result of the processing to the terminal control device, and sends the update information for updating the customer information of the branch according to the update of the original account file to the terminal control device. The terminal control device outputs the transaction output data to the terminal device, and updates the branch customer information of the branch database based on the updated information. With this, the branch customer information of the 'branch database' is updated almost simultaneously with the update of the original account file on the host computer side. Preferred Embodiment FIG. 1 is a configuration diagram of a financial online system according to an embodiment of the present invention. The host computer 8 is a host computer installed in a computer center. The original paper size applies the Chinese National Standard (CNS) A4 scale (210X297).---- II —I--I = II-n§! 11 n-I ml ii I— in In ^^ 1-m 1 ^ 1 I ϋ i {谙 Read the notes on the back first, then ^ n this page) Seed seed ministry 呔 .. Zhun Er UT Consumer Moxibustion Cooperative 卬 A7 B7 V. Description of the invention) Account file 9, is It is stored in a memory device connected to the host computer 8 and holds a master file of information such as the savings relationship and financing relationship of each branch. Terminal control devices 2, ATMs (automated teller machines, automatic transaction devices), and terminal devices 7 for clerks are installed at branches (operating stores). The terminal control device 2 is connected to the host computer 8 via a communication line 5 and a communication control device (not shown). The terminal control device 2 is a terminal device to the host computer 8. The ATM 6 and the passenger terminal device 7 are connected to the terminal control device 2 through a transmission line. The customer information log file 1 4 is a temporary storage file for storing data for updating customer information sent from the host computer 8. The customer information database 17 is a database for accommodating customer information. The customer information record file 14 and the customer information database 17 are stored in a memory device connected to the terminal control device 2. The terminal control device 2 appears to the AT M6 and the passenger terminal device 7 as an information processing device for the server, and includes a document sending and receiving unit 1 1, a voucher editing unit 1 2, a customer information update unit 16, and a DBMS (data Database management system: database management system) 1 8. In this embodiment, the document sending / receiving unit 11, the voucher editing unit 1, 2, the customer information update unit 16 and DBM S 18 are implemented to be housed in the terminal control device 2 in order to achieve the following functions, respectively. The program "Upward Document 3" of the memory device held by the information processing device is an inquiry message sent from the terminal control device 2 to the host computer 8 through the communication line 5. Ascending document 3 contains input data generated as a result of transactions at branches. The down-line document 10 refers to the paper size of the return paper sent from the host computer 8 to the terminal control device 2 through the communication line 5. The Chinese paper standard (CNS) A4 specification (2 丨 OX 297 mm) (please read the note on the back first) Matters refilled on this page) ϋ--nn--nn-n---n-----I --..... n. III--I In n I n I ————— ———— -6- A7 B7 Numi's central «. Beier hJ Xiao moxibustion cooperation * Yin Su 5. Inventor's answer message. In the downline document 10, it contains transaction output data such as subpoena data and data for updating customer information. The document transmitting and receiving unit 11 transmits the transaction data input from the ATM 6 and the passenger terminal device 7 to the host computer 8 in the form of the document 3. The document is sent to the receiving department 11, and the downstream document 10 received by the autonomous computer 8 is separated into transaction output data and customer information update data, and the transaction output data is passed to the voucher editing unit 12 to store the customer information update data in Customer information record file 1 4. The voucher editing unit 12 edits the voucher data in the transaction output data to the ATM 6 and the terminal device 7 for the clerk. The document transmission receiving unit 11 and the voucher editing unit 12 operate in real-time online mode. The customer information update unit 16 is an off-line program that is activated at a certain period. It reads customer information update data from the customer information log file 1 4 and updates customer information data through D BMS 1 8 Customer information on library 17. Further, the programs of the document sending / receiving unit 11 and the customer information update unit 16 related to the present invention can be stored in a storage medium such as an optical disk or a magnetic tape 'and read into the terminal control device 2 through the optical disk device or the magnetic tape device. The host computer 8 receives the uplink document 3 from the terminal control device 2 and performs the processing of the input transaction data, and updates the original account file 9 ′ as necessary to create a transaction output data and sends it to the terminal control device 2 as a downlink document 10. News. If the transaction is to update the original account file 9, the main computer # 8 will add the customer information update data to the transaction output data and send it to the terminal control device 2. Figure 2 shows the information of the customer information record file (iog file) 1 4 (锖 Read the precautions on the back before filling out this page)-Order Φ .. A7 B7 V. Description of the invention ^) " {诮(Please read the notes on the back before filling out this page). The customer information record file 14 is composed of a management unit 14a and a data unit 14b. In the data department i4b, data for updating customer information of the downlink document 10 that is received each time is contained. The data for updating customer information is of a variable length, and the data length of the data is appended to the front. In the management unit 14a, the recorded index and the updated index are stored. The recorded index shows the address of the last data recorded in the customer information log file 14. The updated indicator shows the address of the last data that the update of the customer information database 17 has been completed. As a result of the two indexes, for example, various types of addresses that should be displayed as the phase byte address of the last data byte of the displayed data when the head of the data section 1 4 b is set to 0 can be expressed. -The head of the MM department only J.i «fee cooperation Ti 卬 $ ί Figure 3 is a data structure diagram showing an example of the data structure of the customer information log file 17 Each note of the customer information record file 17 is based on the branch code, account number, and subject as the main key, and has the following information items including name, legal person / individual distinction, age, residence area, account balance and other data items. Area of residence, for example, the geographical division within the business scope of the branch. In addition, in order to be able to know the inferences about the transactions of the same account number and subject, it is possible to attach to each record the transaction date, the difference between the deposit / withdrawal of each transaction, and only the latest specified number of transactions. The information items required for updating customer information sent from the host computer 8 include the branch number, account number, and subject, and the data item code and data item 値 of the updated data item. FIG. 4 is a flowchart showing the processing flow of the document sending and receiving section 11. The document is sent to the receiving and receiving department 11. The ATM6 or the final paper size used by the crew shall be in accordance with China State Standard (CNS) A4 (2 丨 0X297 mm) -8-A7 B7 V. Description of the invention g) The end device 7 is input The transaction data (step 41) is created, and the uplink document 3 is created and sent to the host computer 8 (step 42). The host computer 8 checks the transaction data received from the terminal control device 2 and updates the original account file 9 as necessary. When the host computer 8 updates the transaction output data and the original account file 9, the host computer 8 creates data for updating customer information, and sends the data to the terminal control device 2 as a downlink document 10. The document is sent to the receiving department 11, and the down-line document 1 10 sent by the host computer 8 is received (step 4 3), and the information is checked (step 4 4). After the data inspection, the document sending and receiving unit 1 1 ′ divides the data containing the descending document 10 into a voucher data that is sent to the display device or printer of the ATM 6 or the passenger terminal device 7 and the customer, and the customer. Information. Update data (step 45). An identification code is inserted between the voucher data and the customer information update data, and the identification code is used to identify the beginning of the customer information update data. Document sending and receiving unit 11, pass voucher data to voucher editing unit 1 2 »voucher editing unit 12, edit voucher data into display screen, voucher or passbook form 'and send to ATM6 or terminal device for crew 7» another On the other hand, the customer information update data is stored in the editing buffer memory of the main memory. The document transmitting and receiving unit 11 executes code conversions such as transfer codes and internal processing codes on the customer information update data temporarily stored in the editing buffer memory (step 46) 'stored in the customer information record Gear 14 (step 47). When the data is contained in the customer information record file 14, the document is sent to the receiving department 11, and the management department 14a referring to the customer information record file 14 obtains the recorded index, and records the displayed memory by adding 1 to the recorded index. The size of this paper is in accordance with Chinese National Standard (CNS) A4 (2 丨 0X297 mm) {Please read the precautions on the back before writing this page)
-1 I 1 II - - I I I I *-ST -I— I —-I - - I — - 1 I— n - - II 1.1 i I-1 I -9- 好浐部中呔榀準>CJ,hJ消货合作*印家 A7 B7 五、發明説明f ) 的資料長以及資料。最後以使管理部1 4 a的已記錄指標 成爲指著最後的資料位元組的方式更新之（步驟48)。 又，於步驟4 3，終端控制裝置2，只要與交易輸出資料 的受訊同步受訊顧客資訊更新用資料即可。也就是說，取 代交易輸出資料與顧客資訊更新用資料被作爲同一電文來 傳達，而將二者作爲分別的電文來傳達的方式亦可。 第5圖係顯示顧客資訊更新部16的處理流程之流程 .圖。顧客資訊更新部1 5，係藉由以一定的時間間隔啓動 的計時工作（timer task)而開始動作的（步驟5 1 )。顧客 資訊更新部1 6，開始動作的話，首先讀取顧客資訊記錄 檔案14的管理部14 a (步驟.5 2)。顧客資訊更新部 1 6，將讀取得的管理部1 4 a的已記錄指標與已更新指 標進行比較（步驟53)。比較的結果，二者不一致的場 合，也就是說含有未更新的資料的場合，顧客資訊更新部 1 6，從藉由對已更新指標加上1的値所顯示的記憶位置 讀取資料長度以及資料（步驟54)，接著基於讀取到的 資料對DBMS 1 8指示顧客資訊資料庫1 7的吏新（步 驟5 5) 。DBMS 1 8，藉由來自顧客資訊更新部1 6 的指示將被指示的分行編號：帳戶號碼以及科目作爲鍵來 檢索顧客資訊資料庫1 7，更新該筆資料的被指定的資料 項目的値。於附加交易履歷的場合，於該筆記錄寫入被指 定的最新的交易年月日、存款/提款的區分以及交易金 額。最後，顧客資訊更新部16，以使管理部14a的已 更新指標指著已更新資料的最後資料位元組的方式更新 本紙張尺度適用中國國家標準（CNS ) A4规格（2丨0X297公釐） --------ότ. (誚先閱讀背面之注意事項再填寫本頁) -訂 -10- 好济部中呔"準而Ί-7·消费合作"印掣 A7 __B7 五、發明説明) (步驟56)。其後，顧客資訊更新部16，回到步驟 5 2的處理〃 於步驟5 3，管理部1 4 a的已記錄指標與已更新指 標一致的場合，也就是說，不存在著未更新資料的場合， 結束顧客資訊更新部16的處理。 因爲可能會發生文書送受訊部11與顧客資訊更新部 1 6同時存取顧客資訊記錄檔案1 4的狀態，所以顧客資 訊記錄檔案1 4的存取是以排他方式被控制的。又於本實 施形態，係以一定時間間隔啓動顧客資訊更新部1 6進行 顧客資訊資料庫的更新，但是取代此方式，而於步驟5 3 被判斷爲沒有未更新資料時，以回到步驟5 2的方式構 成，藉由實行步驟5 2與步驟53的處理迴圈而進行等待 亦可。在此場合，使顧客資訊更新部1 6的處理優先度稍 微低於文書送受訊部11以及傳票編輯部12的處理的 話，顧客資訊更新部16的處理，係被作爲背景 (background)之處理而被啓動，只要有未更新資料，就進行 步驟5 4〜步驟5 6的處理。 於本實施形態，顧客資訊更新用資料的內容並沒有特 別的限制，也可以含有分行的外務員可利用的資訊，例 如，特定個人的紅利支付日，房屋落成日等資訊。這些資 訊，從行員用終端裝置7被輸入，透過文書送受訊部1 1 被送往主計算機8，登錄於原始帳目檔案9的同時，作爲 顧客資訊更新用資料而被送往終端控制裝置2，最後被登 錄於顧客資訊資料庫17的相對的個人的記錄內。 ---------I (銪先閲讀背面之注意事項再4寫本育) 訂 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） -11 - 好浐部中戎打4'·>Γ;,υ消f合作*卬絮 A7 B7 五、發明説明6 ) 此外，在管理者的分行之外所產生的交易（稱爲網路 交易），主計算機8，對產生交易的分行的終端控制裝置 2送訊交易輸出資料，如果有更新資料的話對管理者分行 的終端控制裝置2送訊顧客資訊更新用資料。管理者分行 的終端控制裝置2的文書送受訊部11，僅被認識爲係顧 客資訊更新用資料而已，以上述所示被容納於顧客資訊記 錄檔案1 4。 如以上所說明的，根據本發明，處理供作成讓分行使 用的顧客資訊之用的FD、CMT等記億媒體的人手不再 需要介入，而且可以取得反應最新交易狀況的顧客資訊。 圖面之簡單說明 第1圖係本發明之一實施形態之金融線上系統的構成 圖。 第2圖係顯示顧客資訊記錄檔案（log file) 1 4的資料 構成之一例之資料構成圖。 第3圖係顯示顧客資訊記錄檔案（l〇g file) 1 7的資料 構成之一例之資料構成圖。 第4圖係顯示文書送受訊部1 1的處理雖程之流程 圖。 第5圖係顯示顧客資飘更新部1 6的處理流程之流程 圖。 主要元件符號說明 本紙張尺度適用中國國家標準（CNS)A4規格（210X297公釐）_ 12· --------------、·ιτ------— (請先閲讀背面之注意事項再填寫本頁) A7 B7 五、發明説明纟〇 ) 經浐部中Aii.4*-而U.T消赀合作社卬 2 終 端 控 制 裝 置 3 上 行文 書 5 通 訊 線 路 6 A T Μ ( 白 動 交 易 裝 置） 7 行 員 用 終 Kit» m 裝 置 8 主計 算 機 9 原 始 帳 巨 檔 案 1 0 下行文 書 1 1 文 書 送 受 訊部 1 2 傳 票 編 輯 部 1 4 顧 客 資 訊記 錄 檔 1 4 i a 管 理 部 1 4 1 D 資 料部 1 6 顧 客 資 訊 更 新部 1 7 顧 客 資 訊 資 料 庫 1 8 D Β Μ S ( 資 料 庫 管理 (誚先閣讀背面之注意事項再硝寫本頁) ••CM. 訂 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐）-1 I 1 II--IIII * -ST -I— I —-I--I —-1 I— n--II 1.1 i I-1 I -9- Good standard in the ministry > CJ, hJ Consumer Goods Cooperation * Yinjia A7 B7 V. The description of the invention f) and the information. Finally, the recorded index of the management unit 14a is updated to point to the last data byte (step 48). Further, in step 43, the terminal control device 2 only needs to receive the customer information update data in synchronization with the reception of the transaction output data. In other words, the transaction output data and the customer information update data may be transmitted as the same message, and the two may be transmitted as separate messages. FIG. 5 is a flowchart showing the processing flow of the customer information update section 16. The customer information update unit 15 is started by a timer task started at a certain time interval (step 5 1). The customer information update unit 16 starts reading the management information unit 14a of the customer information record file 14 (step 5). The customer information update unit 16 compares the read-out recorded index of the management unit 14 a with the updated index (step 53). As a result of the comparison, if the two do not match, that is, if there is unupdated data, the customer information update unit 16 reads the data length from the memory position displayed by adding 1 to the updated index and The data (step 54), and then instruct the DBMS 18 to update the customer information database 17 based on the read data (step 5 5). DBMS 18 retrieves the customer information database 17 by the instruction of the branch number: account number and subject as an instruction from the customer information update section 16 to update the designated data item of the data. In the case of additional transaction history, the latest specified transaction date, the classification of deposits / withdrawals, and the transaction amount are written in this record. Finally, the customer information update unit 16 updates the paper standard to the Chinese National Standard (CNS) A4 specification (2 丨 0X297 mm) in such a way that the updated index of the management unit 14a refers to the last data byte of the updated data. -------- ότ. (诮 Please read the notes on the back before filling in this page) -Order-10- Haojie Ministry of Education " Jun ErΊ-7 · Consumer Cooperation " Indigo Switch A7 __B7 5 Description of the invention) (Step 56). Thereafter, the customer information update unit 16 returns to the processing in step 5 2. In step 53, the recorded index of the management unit 14 a is consistent with the updated index, that is, there is no unupdated data. In this case, the processing by the customer information update unit 16 is terminated. Because it may happen that the document sending and receiving section 11 and the customer information update section 16 simultaneously access the customer information record file 14, the access of the customer information record file 14 is controlled exclusively. In this embodiment, the customer information update unit 16 is started at a certain time interval to update the customer information database, but instead of this method, when it is judged that there is no unupdated data in step 5 3, the process returns to step 5 The method of 2 may be configured, and the process may be performed by performing the processing loops of Step 5 2 and Step 53 and waiting. In this case, if the processing priority of the customer information update unit 16 is slightly lower than the processing of the document sending and receiving unit 11 and the voucher editing unit 12, the processing of the customer information update unit 16 is treated as background. It is activated, and as long as there are unupdated data, the processing from step 5 4 to step 5 6 is performed. In this embodiment, there is no particular limitation on the content of the customer information update data, and it may contain information that can be used by the branch's foreign staff, such as information on the payment date of a particular individual's dividend and the completion date of a house. These pieces of information are inputted from the terminal device 7 for pedestrians, sent to the host computer 8 through the document sending and receiving section 11 and registered in the original account file 9 and sent to the terminal control device 2 as customer information update data. Finally, it is registered in the corresponding personal record of the customer information database 17. --------- I (I read the notes on the back first and then write the 4 books) The size of the paper is applicable to the Chinese National Standard (CNS) A4 (210X297 mm) -11-Zhong Rong Da 4 '· >Γ;, υ 消 f cooperation * 卬 A7 B7 V. Description of the invention 6) In addition, the transaction generated outside the manager's branch (referred to as online transaction), the host computer 8, The terminal control device 2 of the transaction branch sends the transaction output data, and if there is update data, the terminal control device 2 of the manager branch sends the customer information update data. The document sending / receiving unit 11 of the terminal control device 2 of the manager's branch is only recognized as the information for updating customer information, and is stored in the customer information record file 14 as described above. As explained above, according to the present invention, the manpower for handling billion-dollar media, such as FD and CMT, used to create customer information for handicap operations no longer requires intervention, and customer information that reflects the latest transaction status can be obtained. Brief Description of the Drawings Fig. 1 is a configuration diagram of a financial online system according to an embodiment of the present invention. Figure 2 is a data structure diagram showing an example of the data structure of the customer information log file 1 4. FIG. 3 is a data structure diagram showing an example of the data structure of a customer information record file (10g file). Fig. 4 is a flowchart showing the processing procedure of the document sending and receiving section 11; Fig. 5 is a flow chart showing the processing flow of the customer data update section 16. Explanation of main component symbols This paper size applies to China National Standard (CNS) A4 specification (210X297 mm) _ 12 · --------------, · ιτ ------— (Please Read the notes on the back before filling this page) A7 B7 V. Description of the invention 纟 〇) Aii.4 *-and UT Consumer Cooperatives in the Ministry of Economic Affairs 2 Terminal control device 3 Upstream instrument 5 Communication line 6 AT Μ (White Mobile trading device) 7 Kits for crew members m Device 8 Host computer 9 Original account giant file 1 0 Downline documents 1 1 Document sending and receiving department 1 2 Subpoena editing department 1 4 Customer information record file 1 4 ia Management department 1 4 1 D Data Department 1 6 Customer Information Update Department 1 7 Customer Information Database 1 8 D Β Μ S (Database Management (read the notes on the back of 诮 xiange and write this page) •• CM. The paper size of the book is applicable to China Standard (CNS) A4 specification (210X297 mm)