WO2015064126A1

WO2015064126A1 - Transaction device and transaction method

Info

Publication number: WO2015064126A1
Application number: PCT/JP2014/060972
Authority: WO
Inventors: 湯浅　秀一
Original assignee: 沖電気工業株式会社
Priority date: 2013-10-31
Filing date: 2014-04-17
Publication date: 2015-05-07
Also published as: JP2015088026A; JP6209942B2; CN105103202A; CN105103202B

Abstract

The present invention pertains to transaction device (1) that performs transaction-related processes in cooperation with some or all of multiple information processing devices (2-1, 2-2) that perform information processing related to an external transaction. This transaction device (1) is characterized by having: a means (12) that generates a telegraphic message (D) for the purpose of requesting transaction-related information processing from the information processing devices (2-1, 2-2); a transmission destination determination means (13) that analyzes the content of a generated telegraphic message (D), and selects some or all of the multiple information processing devices (2-1, 2-2) as the transmission destination of the telegraphic message (D); and a means that transmits (or processes and then transmits) the telegraphic message generated by the transaction telegraphic message generation means (12) to the information processing devices (2-1, 2-2) that have been selected by the transmission destination determination means (13).

Description

Transaction apparatus and transaction method

The present invention relates to a transaction apparatus and transaction method and can be applied to, for example, an ATM (Automated Teller Machine) installed in a financial institution such as a bank or a convenience store.

Conventionally, an automatic cash transaction apparatus for depositing and withdrawing cash by operation of a customer is connected to a host computer, and when the customer conducts a transaction, the host computer and the automatic cash transaction apparatus (ATM) cooperate. Thus, information processing based on a predetermined electronic message specification is performed (see, for example, JP 2013-80434 A). In the conventional automated teller machine, the customer information, card information, personal identification number and other information entered by the customer, the transaction type, the transaction amount, etc. are transmitted to the host computer, and the approval information from the host computer is received. Then, processing for completing the transaction (for example, processing by transaction processing or the like) is performed.

Among conventional automatic cash transaction devices, there are devices that support transactions with only deposits or withdrawals. In financial institutions that have used such devices, there are cases where different host computers are constructed for deposit and withdrawal. When such a financial institution intends to introduce an automatic cash transaction apparatus that enables deposit and withdrawal with the same apparatus, it is necessary to change specifications of the host computer (for example, change of a program).

Therefore, it is possible to easily change the specifications of a transaction apparatus (for example, an automatic cash transaction apparatus) that performs processing related to transactions in cooperation with some or all of a plurality of information processing apparatuses (for example, host computers). A transaction apparatus and transaction method are desired.

According to the first aspect of the present invention, there is provided a transaction apparatus that performs a process related to a transaction in cooperation with some or all of a plurality of information processing apparatuses that perform an information process related to an external transaction. ) A transaction message generation unit that generates a message for requesting the information processing apparatus to process information related to the transaction; and (2) analyzing the contents of the message generated by the transaction message generation unit to obtain a plurality of information items described above. A transmission destination determination unit that determines a part or all of the information processing device as a transmission destination of the message from the processing device, and (3) the transmission of the message generated by the transaction message generation unit as it is or the processing There is provided a transaction device having a message transmission processing unit that transmits to the information processing device of the transmission destination determined by the destination determination unit.

According to the second aspect of the present invention, there is provided a transaction method performed by a transaction apparatus that performs processing related to a transaction in cooperation with some or all of a plurality of information processing apparatuses that perform information processing related to an external transaction. (1) The transaction device has a transaction message generation unit, a transmission destination determination unit, and a message transmission processing unit, and (2) the transaction method is that the transaction message generation unit performs transactions with the information processing device. (3) The transmission destination determination unit analyzes the contents of the message generated by the transaction message generation unit, and some or all of the plurality of information processing devices The information processing apparatus is determined as the transmission destination of the message, and (4) the message transmission processing unit determines the message generated by the transaction message generation unit as it is, or the transmission destination determination unit determines Transmitting to the information processing apparatus at the destination.

According to the present invention, it is possible to easily change the specifications of a transaction apparatus that performs a transaction-related process in cooperation with some or all of a plurality of information processing apparatuses.

The block diagram shown about the functional structure of the automatic teller machine which concerns on 1st Embodiment, and the whole structure of a transaction system provided with the automatic teller machine which concerns on embodiment. It is an external appearance perspective view of the automatic teller machine concerning a 1st embodiment. It is explanatory drawing shown about the structural example of the message | telegram which concerns on the transaction produced | generated with the automatic teller machine which concerns on 1st Embodiment. It is the sequence diagram shown about the operation | movement in case a deposit transaction is performed with the automatic teller machine which concerns on 1st Embodiment. It is the sequence diagram shown about operation | movement in case a payment transaction is performed with the automatic teller machine which concerns on 1st Embodiment. The block diagram shown about the functional structure of the automatic teller machine which concerns on 2nd Embodiment, and the whole structure of a transaction system provided with the automatic teller machine which concerns on embodiment. It is the sequence diagram shown about the operation | movement in case a deposit transaction is performed with the automatic teller machine which concerns on 2nd Embodiment. It is the sequence diagram shown about the operation | movement when a payment transaction is performed with the automatic teller machine which concerns on 2nd Embodiment. It is explanatory drawing (the 1) shown about the specific example of the message | telegram conversion process performed with the automatic teller machine which concerns on 2nd Embodiment. It is explanatory drawing (the 2) shown about the specific example of the message | telegram conversion process performed with the automatic teller machine which concerns on 2nd Embodiment. It is the sequence diagram shown about the operation | movement in case a payment transaction is performed with the automatic teller machine which concerns on 3rd Embodiment. It is explanatory drawing shown about the specific example of the message | telegram conversion process performed with the automatic teller machine which concerns on 3rd Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus and transaction method by this invention is described in full detail, referring drawings. Below, the example at the time of applying the transaction apparatus and transaction method of this invention to an automatic teller machine (ATM) is demonstrated.

(A-1) Configuration of First Embodiment FIG. 1 shows a functional configuration of an automatic cash transaction apparatus 1 to which the transaction apparatus of the present invention is applied, and an overall configuration of a transaction system 1000 including the automatic cash transaction apparatus 1. It is the block diagram shown.

The transaction system 1000 shown in FIG. 1 includes an automatic cash transaction apparatus 1 to which the transaction apparatus of the present invention is applied and a host computer 2 (host computer 2-1 and host computer 2-2) as two information processing apparatuses. Has been placed. In addition, the number of each apparatus arrange | positioned on the transaction system 1000 is not limited.

The host computer 2-1 and the host computer 2-2 may be physically the same hardware, or may be a system constructed in one hardware (chassis). For example, the host computer 2-1 and the host computer 2-2 may be constructed by a host computer having two communication parts connected to the network N. That is, if the host computer 2-1 and the host computer 2-2 have different connection destinations (identifiers such as connection addresses) on the network N as viewed from the automatic teller machine 1, their specific configurations Is not limited.

The automatic cash transaction apparatus 1 has a function of depositing and withdrawing cash based on customer operations and instructions from the host computer 2. The host computer 2 analyzes the information received from the automatic cash transaction apparatus 1, determines whether or not the transaction is successful, and transmits the result to the automatic cash transaction apparatus 1. The automatic transaction apparatus 1 performs transaction processing with the customer (for example, cash from the customer's account) by the operation of the customer who performs the transaction processing or cooperative processing (for example, transaction processing) involving communication with the host computer 2. Withdrawals).

Next, the internal configuration of the automatic teller machine 1 will be described.

The automatic cash transaction apparatus 1, the control unit 10, the operation display unit 20, the cash processing unit 30, the card information reading unit 40, and the receipt printing unit 50 are provided.

The control unit 10 has a function of controlling the operation of each unit in the automatic teller machine 1, and includes a transaction processing unit 11, a communication unit 12, and a distribution communication unit 13.

The control unit 10 may be realized, for example, by installing the transaction program of the embodiment on a computer (program implementation configuration) having a processor, a communication interface, and the like. Even in that case, the functional configuration of the control unit 10 can be shown as shown in FIG.

The transaction processing unit 11 includes information processing for performing transaction processing with a customer (including processing associated with presentation of an operation screen to the customer and operation reception) and each component in the automatic teller machine 1 along with transaction processing. The control is performed. In addition, the transaction processing unit 11 can exchange information with the host computers 2-1 and 2-2 via the communication unit 12.

The communication unit 12 as a transaction message generation unit generates a message for generating data transmission / reception with the host computer 2 (generates a message based on a predetermined message specification) and transmits / receives the message. In the control unit 10, the communication unit 12 is not directly connected to the network N but is connected via the distribution communication unit 13. For example, the communication unit 12 generates a message for requesting information processing (for example, transaction processing) to the host computer 2 for the transaction content received by the transaction processing unit 11 (for example, transaction content of a deposit transaction). Process to send. Further, for example, the communication unit 12 transmits a report to the host computer 2 according to a request from the host computer 2 or an operation state of the device (for example, a failure occurrence state or a storage state of the cash processing unit 30). Processing to generate a message of.

The communication unit 12 supplies the generated message to the distribution communication unit 13. Note that the communication unit 12 itself does not generate a message specifying either the host computer 2-1 or the host computer 2-2 as a destination.

Although the format of the message generated by the communication unit 12 is not limited, in this embodiment, the configuration of the message related to the transaction generated in the communication unit 12 can be expressed as shown in FIG. The message D (message related to the transaction generated by the communication unit 12) shown in FIG. 3 includes a transaction type determination unit indicating the transaction type (attribute) related to the message, and the contents of the transaction related to the message (for example, card information). , And a transaction data part representing a personal identification number, an amount, etc.). In this embodiment, the transaction type determination unit is used as a label for the distribution communication unit 13 (to be described later) to determine to which of the host computers 2-1 and 2-2 the message is to be distributed. In FIG. 3, the field of the transaction type determination unit is arranged at the head of the message D. However, the position of the transaction type determination unit on the message D is determined based on the message specification of the message.

The distribution communication unit 13 as a transmission destination determination unit and a message transmission processing unit performs communication control processing of messages transmitted and received by the communication unit 12. Specifically, the distribution communication unit 13 determines the transmission destination host computer 2 (host computer 2-1 or host computer 2-2) according to the content of the message generated and transmitted by the communication unit 12. , And generates a frame (a frame into which a message is inserted) having the transmission destination determined for the message as a destination (destination address) and transmits the frame to the network N. For example, if the network N is an IP network, the distribution communication unit 13 generates an IP packet having the determined destination as the destination address, and inserts the data of the message into the data part (trailer) of the IP packet. It is also possible to perform the process of sending out.

Here, as described above, the distribution communication unit 13 sends the message to either the host computer 2-1 or 2-2 according to the content of the transaction type determination unit included in the message supplied by the communication unit 12. It shall be decided whether to distribute.

In this embodiment, when a value indicating “payment transaction” is set in the transaction type discriminating unit of the message, the distribution communication unit 13 transmits the message to the host computer 2-1. Further, when a value indicating “withdrawal transaction” is set in the transaction type determination unit of the message, the distribution communication unit 13 transmits the message to the host computer 2-2.

(A-2) Operation of the First Embodiment Next, the operation of the transaction system 1000 of the first embodiment having the above configuration (the transaction method of the embodiment) will be described.

FIG. 4 is a sequence diagram showing a flow when a deposit transaction is performed in the automatic teller machine 1.

First, in response to an operation by the customer on the operation display unit 20 (touch panel display 21; see FIG. 2), a deposit transaction is started in the control unit 10 (transaction processing unit 11) (S101), and further, a card information reading unit 40 by the customer. It is assumed that a cash card is inserted into (card insertion / discharge port 401) (S102).

Then, it is assumed that a password is entered by the customer using the operation display unit 20 (password number input unit 22) (S103).

And cash is inserted into the cash processing unit 30 (the banknote deposit / withdrawal port 301 and / or the coin deposit / withdrawal port 302) (S104), the inserted cash is counted by the cash processing unit 30 (S105), and the counting result is sent to the customer. It is assumed that confirmation (for example, confirmation by displaying a confirmation screen displaying the counting result on the touch panel display 21) (S106). Here, it is assumed that the counting result is approved by the customer.

Then, the communication unit 12 generates a message requesting information processing (transaction processing) related to the deposit transaction based on the counting result confirmed in step S106 described above (S107), and transmits (supplies) to the distribution communication unit 13. (S108).

Here, it is assumed that a value indicating “payment transaction” is set in the transaction type determination unit of the message controlled by the communication unit 12.

Then, the distribution communication unit 13 confirms the transaction type (contents of the transaction type determination unit) of the message supplied from the communication unit 12 (S109). Then, the distribution communication unit 13 determines a transmission destination (one of the host computers 2-1 and 2-2) corresponding to the transaction type (contents of the transaction type determination unit) for the message, and sends the determined transmission destination to the determined transmission destination. The message is transmitted (S110).

Here, as described above, since the message is a message related to the deposit transaction, the distribution communication unit 13 transmits the message to the host computer 2-1.

Then, the host computer 2-1 receives a message sent from the automatic teller machine 1 (sorting communication unit 13) (S111), and determines whether or not a transaction based on the message (whether or not a deposit transaction is possible) ( S112). When the host computer 2-1 determines that the transaction is possible, the information processing of the deposit transaction (information processing for depositing the account related to the transaction) according to the contents of the message is executed.

Then, a transaction result message is transmitted from the host computer 2-1 to the automatic cash transaction apparatus 1 (allocation communication unit 13) (S113) and received by the allocation communication unit 13 of the automatic cash transaction apparatus 1. (S114).

Then, it is assumed that the message is transmitted (supplied) as it is to the communication unit 12 by the distribution communication unit 13 and the message is received by the communication unit 12 (S115).

Next, the transaction processing unit 11 confirms the message received by the communication unit 12 (message indicating the result of transaction completion), and the process associated with the transaction completion (for example, from the card information reading unit 40 (card insertion outlet 401). Card discharge, receipt printing from the receipt printing unit 50 (receipt discharge port 501), etc.) are executed (S116).

FIG. 5 is a sequence diagram showing a flow when a withdrawal transaction is performed in the automatic teller machine 1.

First, in response to an operation on the operation display unit 20 (touch panel display 21) by the customer, a withdrawal transaction is started in the control unit 10 (transaction processing unit 11) (S201), and further, the card information reading unit 40 (card It is assumed that a cash card is inserted into the insertion / discharge port 401) (S202).

Next, it is assumed that a password is input by the customer using the operation display unit 20 (password number input unit 22) (S203).

Next, the customer received an input of a withdrawal amount using the operation display unit 20 (password input unit 22) (for example, an input acceptance was performed by displaying a withdrawal amount input screen on the touch panel display 21). Suppose (S204).

Next, the communication unit 12 generates a message requesting information processing (transaction processing) related to the withdrawal transaction based on the counting result confirmed in step S204 described above (S205), and transmits the message to the distribution communication unit 13 ( (S206).

Here, it is assumed that a value indicating “withdrawal transaction” is set in the transaction type determination unit of the message controlled by the communication unit 12.

The distribution communication unit 13 confirms the transaction type (contents of the transaction type determination unit) of the message supplied from the communication unit 12 (S207).

Next, the distribution communication unit 13 determines a transmission destination (one of the host computers 2-1 and 2-2) corresponding to the transaction type (contents of the transaction type determination unit) for the message, and determines the determined transmission destination The message is transmitted to (S208).

Here, as described above, since the message is a message related to a withdrawal transaction, the distribution communication unit 13 transmits the message to the host computer 2-2.

Then, the host computer 2-2 receives a message sent from the automatic teller machine 1 (sorting communication unit 13) (S209), and determines whether or not a transaction based on the message (whether or not a withdrawal transaction is possible). (S210). When the host computer 2-2 determines that the transaction is possible, the information processing of the withdrawal transaction (information processing withdrawing from the account related to the transaction) according to the contents of the message is executed.

Then, a message of transaction result is transmitted from the host computer 2-1 to the automatic cash transaction apparatus 1 (distribution communication unit 13) (S211) and received by the distribution communication unit 13 of the automatic cash transaction apparatus 1. (S212).

Next, it is assumed that the message is transmitted (supplied) as it is to the communication unit 12 by the distribution communication unit 13, and the message is received by the communication unit 12 (S213).

Next, when the transaction processing unit 11 confirms the message received by the communication unit 12 (message indicating the result of the transaction completion) and the transaction result is a result that the transaction is possible, the cash processing unit 30 is controlled to withdraw money. (The cash stored therein is withdrawn from the banknote deposit / withdrawal port 301 and / or the coin deposit / withdrawal port 302) (S214). Next, the transaction processing unit 11 executes a process (for example, discharge of a card from the card information reading unit 40 or discharge of a receipt from the receipt printing unit 50) associated with the completion of the transaction (S215), and the transaction ends.

(A-3) Effects of the First Embodiment According to the first embodiment, the following effects can be achieved.

The communication unit 12 of the automatic teller machine 1 is connected to the host computers 2-1 and 2-2 (network N) via the distribution communication unit 13. As a result, in the automatic teller machine 1, even when connecting to different host computers 2 for deposit and withdrawal, as long as the communication specifications of the respective host computers 2 are the same, the host computers 2-1 and 2- It is possible to operate deposits and withdrawals without changing the second specification (program related to message processing).

Moreover, in the automatic teller machine 1, the above-described effects can be easily achieved by simply inserting the sorting communication unit 13 between the communication unit 12 and the network N. For example, the above-described specification change can be easily performed by connecting the sorting communication unit 13 inside or outside an existing automatic teller machine.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and the transaction method according to the present invention will be described in detail with reference to the drawings. Below, the example at the time of applying the transaction apparatus and transaction method of this invention to an automatic teller machine (ATM) is demonstrated.

(B-1) Configuration of Second Embodiment FIG. 6 shows a functional configuration of an automatic cash transaction apparatus 1A according to a second embodiment to which the transaction apparatus of the present invention is applied, and a transaction including the automatic cash transaction apparatus 1A. It is the block diagram shown about the whole structure of system 1000A.

The automatic teller machine 1A of the second embodiment is different from the first embodiment in that the control unit 10 is replaced with a control unit 10A. The control unit 10A according to the second embodiment is different from the first embodiment in that the distribution communication unit 13 is replaced with a communication distribution conversion unit 14.

The communication distribution conversion unit 14 is the same as the distribution communication unit 13 of the first embodiment in that the host computer 2 is selected and transmitted according to the contents of the message (for example, transaction type determination unit). However, when sending and receiving a message, the communication distribution conversion unit 14 converts the content of the message itself into a format (message specification) that can be processed by the supply destination (transmission destination) (hereinafter, “message conversion process”). Is different from the distribution communication unit 13 of the first embodiment.

Hereinafter, the message specification supported by the host computer 2-1 is referred to as “message specification A”, and the message specification supported by the host computer 2-2 is referred to as “message specification B”. Note that “message specification A” and “message specification B” have different data formats, but the substantial definition content (items corresponding to transaction details) of the stored data is common. .

Here, it is assumed that the communication unit 12 generates a message based on the message specification A for communicating with the host computer 2-1. Further, when transmitting the message supplied from the communication unit 12 to the host computer 2-1, the communication distribution conversion unit 14 transmits the message without performing the conversion process of the message. Further, when transmitting the message supplied from the communication unit 12 to the host computer 2-2, the communication distribution conversion unit 14 converts the message into the message specification B and transmits the message. Furthermore, the communication distribution conversion unit 14 transfers the message supplied from the host computer 2-1 to the communication unit 12 as it is, and converts the message supplied from the host computer 2-2 to the message specification A. To the communication unit 12.

Here, in the communication distribution conversion unit 14, the communication unit 12 and the message specifications corresponding to the host computers 2-1 and 2-2 are set in advance, and the transaction data unit between the message specifications This conversion processing method will be described assuming that definition data (conversion processing program) is held in advance.

(B-2) Operation of the Second Embodiment Next, the operation of the transaction system 1000A of the second embodiment having the above configuration (the transaction method of the embodiment) will be described.

FIG. 7 is a sequence diagram showing an operation when a deposit transaction is performed in the automatic teller machine 1A. In FIG. 7, the same step number (symbol) is assigned to the processing of the same operation as that of the first embodiment (FIG. 4 described above).

When a deposit transaction is performed in the automatic teller machine 1A of the second embodiment, the process of the distribution communication unit 13 is merely replaced with the process of the communication distribution conversion unit 14, and thus the second embodiment will be described below. The operation of the communication distribution conversion unit 14 will be mainly described.

Specifically, when a deposit transaction is performed in the automatic teller machine 1A of the second embodiment, processing other than the processing of the communication distribution conversion unit 14 (step S101 to step S108, step S111 to step S113, step Since S115 and step S116) are the same as those in the first embodiment, a detailed description thereof will be omitted.

First, a message transmission process (steps S301 to S303) by the communication distribution conversion unit 14 will be described.

In the communication distribution conversion unit 14, when a message is supplied from the communication unit 12 by the process of step S108, the transaction type of the message (the content of the transaction type determination unit) is confirmed (S301). Then, the distribution communication unit 13 determines a transmission destination (one of the host computers 2-1 and 2-2) corresponding to the transaction type (contents of the transaction type determination unit) for the message, and further performs a message conversion process. Necessity is determined (S302). Here, as described above, since the message is a message related to the deposit transaction, the communication distribution conversion unit 14 determines to transmit the message to the host computer 2-1. The communication distribution conversion unit 14 compares the message specification (message specification A) of the communication unit 12 with the message specification (message specification A) of the host computer 2-1, and the message specification is the same. It is determined that the conversion process is unnecessary.

Therefore, the communication distribution conversion unit 14 performs processing for transmitting the message (message specification A) supplied from the communication unit 12 to the host computer 2-1 as it is (S303).

Next, a message reception process (step S401) by the communication distribution conversion unit 14 will be described.

When receiving a message from the host computer 2-1, the communication distribution conversion unit 14 determines whether or not a message conversion process is necessary (S401).

Here, the communication distribution conversion unit 14 compares the message specification (message specification A) of the host computer 2-1 with the message specification (message specification A) of the communication unit 12, and the message specifications are the same. It is determined that the message conversion process is unnecessary, and the process of transmitting the message (message specification A) as it is to the communication unit 12 is performed.

FIG. 8 is a sequence diagram showing an operation when a withdrawal transaction is performed in the automatic teller machine 1A. In FIG. 8, the same step numbers (symbols) are assigned to the processing of the same operation as the operation of the first embodiment (FIG. 5 described above).

In the case where a withdrawal transaction is performed in the automatic teller machine 1A of the second embodiment, the process of the distribution communication unit 13 is merely replaced with the process of the communication distribution conversion unit 14. The operation of the communication distribution conversion unit 14 will be mainly described.

Specifically, when a withdrawal transaction is performed in the automatic teller machine 1A of the second embodiment, processing other than the processing of the communication distribution conversion unit 14 (steps S201 to S206, step S209, step S211, Steps S213 to S215) are the same as those in the first embodiment, and thus detailed description thereof is omitted.

First, a message transmission process (steps S501 to S504) by the communication distribution conversion unit 14 will be described.

In the communication distribution conversion unit 14, when a message is supplied from the communication unit 12 by the process of step S206, the transaction type of the message (the content of the transaction type determination unit) is confirmed (S501). The distribution communication unit 13 determines a transmission destination (either one of the host computers 2-2 and 2-2) corresponding to the transaction type (contents of the transaction type determination unit) for the message, and further performs a message conversion process. Necessity is determined (S502). Here, as described above, since the message is a message related to a withdrawal transaction, the communication distribution conversion unit 14 determines to transmit the message to the host computer 2-2. The communication distribution conversion unit 14 compares the message specification (message specification A) of the communication unit 12 with the message specification (message specification B) of the host computer 2-2. Is determined to be necessary.

Therefore, the communication distribution conversion unit 14 performs a message conversion process for converting the message (message specification A) supplied from the communication unit 12 into a message of the message specification B (S503), and then sends it to the host computer 2-2. The transmission process is performed (S504).

FIG. 9 is an explanatory diagram showing a specific example of the message conversion process of the transmitted message in step S503 described above. FIG. 9A is an explanatory diagram showing a message (message specification A) of the withdrawal transaction before the message conversion process. FIG. 9B is an explanatory diagram showing a message when the message conversion process is performed on the message specification B of the message shown in FIG.

As shown in FIG. 9 (a), a message related to a withdrawal transaction of the message specification A generated by the communication unit 12 includes each field in the order of card information, password, transaction type (transaction type determination unit), and amount of money. Data is arranged. In the transaction type of the message specification A, “01” is set for a deposit transaction, and “02” is set for a withdrawal transaction. Therefore, in FIG. 9A, “02” is set as the transaction type.

As shown in FIG. 9 (b), in the message related to the withdrawal transaction of the message specification B, the data of each field is arranged in the order of card information, transaction type, fixed data, password, and amount. In the transaction type of the message specification B, “5000” is set for a deposit transaction, and “6000” is set for a withdrawal transaction. Accordingly, in FIG. 9B, “6000” is set as the transaction type. In a message related to a transaction based on the message specification B (message transmitted from the automatic teller machine 1A to the host computer 2), fixed data (1234) is set between the transaction type and the password. Therefore, the communication distribution conversion unit 14 changes the transaction type in the message shown in FIG. 9A to the value of the message specification B, adds the fixed data, and sets the data in each field in the order shown in FIG. 9B. The message conversion process can be performed by rearranging to.

In this way, the communication distribution conversion unit 14 can perform the message conversion process by defining and holding the message conversion process procedure (program) between the message specifications.

Next, a message reception process (steps S601 to S603) by the communication distribution conversion unit 14 will be described.

When receiving a message from the host computer 2-2, the communication distribution conversion unit 14 determines whether or not a message conversion process is necessary (S601).

Here, the communication distribution conversion unit 14 compares the message specification (message specification B) of the host computer 2-2 with the message specification (message specification A) of the communication unit 12, and the message specification is different. It is determined that processing is necessary.

Therefore, the communication distribution conversion unit 14 performs a message conversion process for converting the message (message specification B) supplied from the host computer 2-2 into a message of the message specification A, and then transmits the message to the communication unit 12. (S602).

FIG. 10 is an explanatory diagram showing a specific example of the message conversion process of the transmitted message in step S602 described above. FIG. 10A is an explanatory diagram showing a message (message specification B) related to the transaction result before the message conversion process. FIG. 10B is an explanatory diagram showing a message when a message conversion process is performed on the message specification A for the message in FIG.

As shown in FIG. 10 (a), in the message related to the withdrawal transaction of the message specification B generated by the communication unit 12, the data of each field is arranged in the order of the approval number, the transaction determination result, and the fixed data. . In the transaction determination result of the message specification B, “10” is set when the transaction is possible, and “20” is set when the transaction is not possible. In FIG. 10A, “10” indicating that the transaction is possible is set in the transaction determination result.

As shown in FIG. 10 (b), in the message related to the withdrawal transaction of the message specification A, the data of each field is arranged in the order of the transaction determination result and the approval number. In the transaction determination result of the message specification A, “300” is set when the transaction is possible, and “500” is set when the transaction is impossible. In FIG. 10B, “300” indicating that the transaction is possible is set in the transaction determination result. As described above, the communication distribution conversion unit 14 can perform the message conversion process by removing fixed data from the message shown in FIG. 10A and rearranging the data in each field in the order shown in FIG. become.

(B-3) Effects of the Second Embodiment According to the second embodiment, the following effects can be obtained as compared with the first embodiment.

In the automatic teller machine 1A of the second embodiment, the host computers 2-1 and 2-2 are connected (network N) via the communication distribution conversion unit 14B. Thereby, in 1 A of automatic teller machines, even if it is a case where it connects with the different host computer 2 by payment | withdrawal and withdrawal, and the communication specification (message | telegram specification) of each host computer 2 differs, by the communication distribution conversion part 14, By converting the message specifications to each other, it becomes possible to operate the deposit and withdrawal without changing the specifications of the host computer 2 (programs related to message processing).

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the transaction method according to the present invention will be described in detail with reference to the drawings. Below, the example at the time of applying the transaction apparatus and transaction method of this invention to an automatic teller machine (ATM) is demonstrated.

(C-1) Configuration of Third Embodiment Functional configuration of automatic cash transaction apparatus 1B according to the third embodiment to which the transaction apparatus of the present invention is applied, and overall transaction system 1000B including automatic cash transaction apparatus 1B The configuration can also be shown using FIG. 6 described above.

The automatic teller machine 1B according to the third embodiment is different from the second embodiment in that the control unit 10A is replaced with the control unit 10B. The control unit 10B according to the third embodiment is different from the second embodiment in that the communication distribution conversion unit 14 is replaced with the communication distribution conversion unit 14B.

In the control unit 10B (transaction processing unit 11) of the automatic teller machine 1B, the amount of cash in the device (cash processing) is obtained by loading (replenishing) and collecting cash into the cash processing unit 30, and depositing and withdrawing by the customer. Since the number of denominations in the section 30 changes), a process for notifying the host computer of the amount of cash (hereinafter referred to as “the amount of money transmission process”) at the timing when the amount of cash changes. And

Then, when the message supplied from the communication unit 12 is a message for performing high-to-high transmission processing to the host computer 2, the communication distribution conversion unit 14 </ b> B transmits the message to the host computers 2-1 and 2-2. The report contents (high and low information) for each of these are extracted, a message is generated in a message format corresponding to each of the host computers 2-1, 2-2, and sent to each of the host computers 2-1, 2-2. This is different from the second embodiment in that the processing to be performed is performed.

There is no limitation on the method by which the communication distribution conversion unit 14B determines whether the acquired message is a message related to the heavy transmission process. For example, identification data unique to the message related to the heavy transmission process, The data structure may be read and determined.

FIG. 12 is an explanatory diagram showing an example of a message conversion process related to a high-to-high transmission process performed by the communication distribution conversion unit 14B.

Here, as shown in FIG. 12 (a), the telegraphic message of the heavy transmission processing generated by the communication unit 12 includes the number of devices in the device (the number of denominations of the entire cash stored in the cash processing unit 30), The data of each field is in the order of the number of withdrawals possible (numbers of cash denominations that can be withdrawn from the cash processing unit 30) and the number of deposits (numbers of cash denominations deposited in the cash processing unit 30). Has been placed.

In this example, the host computer 2-1 mainly performs processing related to the deposit transaction, and the host computer 2-2 mainly performs processing related to the withdrawal transaction. For this reason, the communication distribution conversion unit 14B sends a message of the message specification A in which the data in the field of the number of deposits is set as the message of the high transmission processing to the host computer 2-1 (message of FIG. 12B). ) Is generated and transmitted. In addition, the message distribution conversion unit 14B sends, to the host computer 2-2, a message of the message specification B in which the field data of the number of withdrawals is set as the message for the high and low transmission processing (in FIG. 12C). (Message) is generated and transmitted.

As described above, the communication distribution conversion unit 14 </ b> B can perform conversion processing on various electronic messages such as electronic messages related to high-end transmission processing in addition to electronic messages related to transaction processing. In addition, as shown in FIG. 12, the communication distribution conversion unit 14B divides the message supplied from the communication unit 12 into a plurality of pieces, and each of the divided message data has a message specification for a corresponding destination. You may make it perform the process which converts into a message | telegram and transmits.

(C-2) Operation of the Third Embodiment Next, the operation (transaction method of the embodiment) of the transaction system 1000B of the third embodiment having the above configuration will be described. Since other operations in transaction system 1000B are the same as those in the second embodiment, detailed description thereof will be omitted.

FIG. 11 is a sequence diagram in the case where the transaction processing is executed in the automatic teller machine 1B.

First, it is assumed that the control unit 10B (transaction processing unit 11) of the automatic teller machine 1B has a change in the amount of money of the cash processing unit 30 and the transmission processing of the amount is started (S701).

Next, triggered by the control of the transaction processing unit 11, a message (a message including the data of FIG. 12A described above) is generated by the communication distribution conversion unit 14B to report the amount of money to the host computer 2 ( S702), the message is transmitted to the communication distribution conversion unit 14B (S703).

When the communication distribution conversion unit 14B recognizes that the supplied message is a message related to the heavy-duty transmission process, the message of the message specification A for the host computer 2-1 (FIG. 12 (b)) based on the message. )) And a message of the message specification B for the host computer 2-2 (message including the amount of money that can be withdrawn in FIG. 12C) are generated, respectively. The data is transmitted to 2-2 (S704, S705).

The message transmission timing from the communication distribution conversion unit 14B to the host computers 2-1 and 2-2 may be simultaneous, or may be either one based on the message from the communication unit 12.

Then, a message is received by each of the host computers 2-1 and 2-2, and the information on the amount related to the automatic teller machine 1 is updated (S706, S707).

(C-3) Effects of Third Embodiment According to the third embodiment, the following effects can be achieved as compared with the second embodiment.

When the host computer 2 that performs the information processing related to the transaction is different between the deposit transaction and the withdrawal transaction as in the transaction system 1000B, the host computer 2-1 related to the deposit transaction is the whole in the apparatus or the amount of cash that is deposited Information is required, and the host computer 2-2 involved in the withdrawal transaction needs information on the amount of cash that can be withdrawn. Then, in the automatic cash transaction apparatus B, using the communication distribution conversion unit 14B, based on the message generated by the communication unit 12, the message for the host computer 2-1 related to the deposit transaction (the existence of the cash received). A message related to high information) and a message for the host computer 2-2 related to the withdrawal transaction (a message including information on the amount of cash that can be withdrawn). Thereby, in transaction system 1000B, cash automatic transaction for depositing and withdrawing without changing the cash management method of an automatic cash transaction apparatus (conventional cash automatic transaction apparatus) that performs only existing deposit transaction or withdrawal transaction The apparatus 1B can be operated.

(D) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(D-1) The communication distribution conversion unit 14B according to the third embodiment has been described as performing the distribution process and the message conversion process for both the electronic message related to the transaction process and the electronic message related to the heavy transmission process. In addition, only the message conversion process (the process shown in FIGS. 11 and 12 described above) of the message related to the heavy transmission process may be performed.

(D-2) In the communication distribution conversion unit installed in the automatic teller machine according to each of the embodiments described above, an example of performing a distribution process and a message conversion process on a message related to transaction processing and a message related to high-end transmission processing However, the same processing may be performed for other messages. For example, a communication distribution conversion unit similarly for a message notifying the state of the automatic teller machine and a message for giving an instruction to the automatic teller machine from the host computer (for example, a message such as a transaction start or a transaction suspension). By converting the telegram specifications and allocating communication destinations, it becomes possible to manage and operate exactly the same as an automatic cash transaction apparatus that performs only existing deposits or withdrawals.

The entire disclosure of Japanese Patent Application No. 2013-227073 is incorporated herein by reference. All documents, patent applications, and technical standards mentioned in this specification are to the same extent as if each individual document, patent application, and technical standard were specifically and individually described to be incorporated by reference, Incorporated herein by reference.

Claims

A transaction apparatus that performs processing related to transactions in cooperation with some or all of a plurality of information processing apparatuses that perform information processing related to external transactions,
A transaction message generation unit that generates a message for requesting information processing related to the transaction to the information processing device;
Analyzing the contents of the message generated by the transaction message generation unit, a transmission destination determination unit that determines a part or all of the information processing devices as a transmission destination of the message from a plurality of the information processing devices,
A message transmission processing unit that transmits the message generated by the transaction message generation unit as it is or processed to the information processing apparatus of the transmission destination determined by the transmission destination determination unit;
A transaction device.
The message transmission processing unit generates the transaction message if the specification of the message generated by the transaction message generation unit is different from the corresponding message specification in the information processing apparatus of the transmission destination determined by the transmission destination determination unit. The transaction apparatus according to claim 1, wherein the electronic message generated by the unit is converted into a corresponding message with the information processing apparatus as a transmission destination and transmitted.
The message transmission processing unit, when the specification of the message generated by the transaction message generation unit matches the specification of the corresponding message in the information processing apparatus of the transmission destination determined by the transmission destination determination unit, the transaction The transaction device according to claim 2, wherein the message generated by the message generation unit is transmitted as it is to the information processing device.
The information processing apparatus further includes a device status message generation unit that generates a message for reporting the status of the transaction device,
The message transmission processing unit extracts, for each of the information processing devices, data necessary for the information processing device from the messages generated by the device state message generation unit, and transmits a message including the extracted data. The transaction apparatus according to claim 1, which is generated and transmitted to the information processing apparatus.
The transaction according to claim 4, wherein, when generating a message based on the extracted data for each of the information processing devices, the message transmission processing unit generates a message having a specification corresponding to the information processing device. apparatus.
A transaction method performed by a transaction apparatus that performs a process related to a transaction in cooperation with some or all of a plurality of information processing apparatuses that perform information processing related to an external transaction, the transaction apparatus including a transaction message generation unit , A transmission destination determination unit, and a message transmission processing unit,
The transaction message generation unit generates a message for requesting information processing related to the transaction to the information processing device,
The transmission destination determination unit analyzes the content of the message generated by the transaction message generation unit, determines a part or all of the information processing devices from the plurality of information processing devices as the transmission destination of the message,
A transaction method comprising: the message transmission processing unit transmitting the message generated by the transaction message generation unit as it is or processing the message to the information processing apparatus of the transmission destination determined by the transmission destination determination unit.