JPH1153449A - Deposit remote inquiry system - Google Patents

Abstract

(57) [Abstract] [Problem] To enable connection with a host computer of a financial institution via a public line, to check balances, check a passbook,
Tasks such as transfer can be performed on the user's personal computer. SOLUTION: When a user selects operations such as balance inquiry, passbook entry inquiry, transfer, etc., the personal computer 1 is selected.
A host computer 2 of a financial institution; an encryption device 3 for encrypting and decrypting data transmitted from the personal computer 1 and the host computer 2; a modem 4 for communicating between the personal computer and the host computer; And a public line 5 for connection to a host computer, and a user can remotely inquire of a deposit by operating a personal computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a deposit remote inquiry system, and more particularly to a deposit remote inquiry system having a personal computer having a built-in general-purpose OS (operating system) with communication capability connected to a host computer of a financial institution. About.

[0002]

2. Description of the Related Art Conventionally, an automatic transaction processing system of this kind, as disclosed in Japanese Patent Application Laid-Open No. Hei 3-251953, performs complicated pre-processing such as a new transaction or a cancellation transaction which is a window operation of a financial institution. It is used to automate required transactions.

FIG. 5 is a block diagram showing an example of the above-mentioned conventional automatic transaction processing system. Pretreatment device 102
Is installed in the sales office 101, and reads a medium such as a slip in which the customer himself writes transaction data as image data and transfers the data. The remote processing device 108 is installed in the parent store 107 which is a remote place, and the remote
01, storing the image data of the medium sent from the pre-processing device 102, reading out the image data, switching to a plurality of screens, and displaying the same screen, based on the display contents by the display means. The transaction data input by the operator through the input means is converted into code data in a specific format corresponding to the transaction item described on the medium, and the data is transferred. The automatic transaction apparatus 103 receives code data in a specific format corresponding to the transaction item transmitted from the remote processing apparatus 108, displays the code data on a display, performs processing such as cash deposit / withdrawal passbook entry, and performs The communication with the host 105 via the line 104 is performed.

Next, the operation of the conventional automatic transaction system will be described. When a transaction requiring complicated pre-processing such as a new transaction or a cancellation transaction is performed by the automatic transaction apparatus 103 installed in the sales office 101 of the financial institution, the transaction data of the medium is imaged by the transaction pre-processing apparatus 102. The data is read as data and transferred via the ISDN network 106 to a remote processing device 108 installed in the main store 107. The remote processing device 108 stores the received image data in an image memory and operates the image data by an operator. , And a plurality of screens are switched and displayed on the same screen, thereby automatically executing a transaction using a copy medium and a plurality of media.

[0005]

Generally, in transactions with a financial institution, balance inquiry, passbook entry, and transfer are performed at a counter of the financial institution or at an automatic teller machine. Also,
Inquiry of the contents of the passbook is also printed on the passbook. Further, in the transfer and transfer transaction, when the next transfer is made to the same transfer destination, the work of the next user is reduced by storing the transfer data on the transfer card.

In this case, in the above-mentioned conventional example, transactions requiring complicated pre-processing such as new transactions and cancellation transactions, which are window operations of financial institutions, are automated. Inquiry of bookkeeping and transfer business cannot be performed on the user's personal computer.
Inquiry contents of the passbook entry cannot be stored in the data format of general-purpose spreadsheet software, and the user cannot freely edit the contents using a personal computer or an automatic teller machine.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a system which enables a user's personal computer to perform a balance inquiry of a financial institution, a passbook entry inquiry, and a transfer operation.

Another object of the present invention is to provide a system in which the collation contents of a passbook can be stored in a floppy disk in the data format of general-purpose spreadsheet software, and the user can freely edit the data with a personal computer and a cash vending machine. Is to provide.

Further, another object of the present invention is to provide a transfer,
It is an object of the present invention to provide a system in which the contents of transfer data can be stored on a floppy disk and a plurality of transfer data can be stored on one floppy disk.

[0010]

In order to achieve the above object, a deposit remote inquiry system according to the present invention comprises a host computer of a financial institution, a communication performance connected to the host computer of the financial institution, and a spreadsheet software. Connecting a computer with a built-in general-purpose OS, an encryption device for encrypting and decrypting data transmitted from the computer and the host computer, a modem for communicating between the computer and the host computer, and connecting the computer and the host computer A line is provided, and a user can remotely perform a deposit inquiry by operating a computer.

[0011] Further, the computer has an input section for inputting data such as a business selection for deposit inquiry, a personal identification number, a card reader / writer for reading / writing a card, a CPU for recognizing the data, and a data encryption / decryption apparatus. It is preferable that an encryption device for encrypting and decrypting data, a display device for displaying data, and a printer unit for printing data be provided, and the data be encrypted and then sent to the host computer.

Further, it is preferable that the card is an identification card.

Further, it is preferable that the card is an IC card also serving as an identification card, and data can be stored in the IC card.

Preferably, the computer edits the IC card.

Preferably, the computer further comprises a floppy magnetic disk drive for storing data.

Further, it is preferable that the computer is a personal computer and the line is a public line.

[0017] Still further, it is preferable that the computer is an automatic teller machine for automatically performing a transaction with a financial institution, and the line is a dedicated line.

It is preferable that the inquiry of the deposit is an inquiry of a balance, an inquiry of a passbook, and a transfer.

Further, a personal computer having a host computer of a financial institution, a communication performance for connecting to the host computer of the financial institution, and a general-purpose OS with spreadsheet software, and data transmitted from the personal computer and the host computer An encryption device that encrypts and decrypts the data, a modem that communicates between the personal computer and the host computer, a public line that connects the personal computer and the host computer, a communication performance that connects to the host computer of the financial institution, and a table. A cash vending machine that automatically carries out transactions at financial institutions with a built-in general-purpose OS with calculation software, an encryption device that encrypts and decrypts data transmitted from the cash vending machine and a host computer, and cash A mode for communicating between the automated teller machine and the host computer Includes a beam, and a dedicated line for connecting the automatic teller machine and the host computer, the user,
Preferably, by operating a personal computer or an automatic teller machine, a deposit inquiry can be made remotely.

[0020] The deposit remote inquiry system of the present invention, in particular,
It has means for connecting a personal computer to a host computer of a financial institution, and means for incorporating a general-purpose OS with a spreadsheet and a floppy disk.

According to the present invention, a personal computer is provided with a built-in general-purpose OS having a communication function for connecting to a host computer of a financial institution, thereby enabling connection with a host computer of a financial institution via a public line. Balance inquiry, passbook entry inquiry, and transfer operations can now be performed on the user's personal computer.

The personal computer and the automatic teller machine have a built-in general-purpose OS and a floppy magnetic disk device with communication performance and a spreadsheet connected to a host computer of a financial institution, so that the contents of a passbook entry can be referred to a general-purpose computer. The data can be stored on a floppy disk in the form of spreadsheet software, and users can freely edit the data using a personal computer and an automatic teller machine.

In a personal computer and an automatic teller machine, by incorporating a floppy magnetic disk device, the contents of transfer and transfer data can be stored on a floppy disk, and a plurality of transfer data can be stored on one floppy disk. Can be saved.

With the above configuration, according to the present invention, the balance inquiry,
Inquiry and transfer of passbook entries can be performed on the user's personal computer. For this reason, the user does not need to go to the counter of the financial institution or to the store during the business hours of the automatic teller machine, and can perform the balance inquiry, the passbook entry inquiry, and the transfer business with the user's personal computer.

The contents of the passbook entry can be stored on a floppy disk in the data format of general-purpose spreadsheet software. For this reason, the user can freely edit and output the contents of the passbook entry inquiry using general-purpose spreadsheet software on the user's personal computer and the automatic teller machine.

Further, the contents of the transfer and transfer data can be stored on a floppy disk, and a plurality of transfer data can be stored on one floppy disk. For this reason, the user can have multiple transfer data by holding one floppy disk.
When transferring to the same transfer destination, the transfer operation can be reduced.

[0027]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, an embodiment of a deposit remote inquiry system according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of the embodiment of the present invention. In FIG. 1, a general-purpose OS with a communication function
The built-in personal computer 1 connects to the host computer 2 of the financial institution via the modem 4, the public line 5, and the encryption device 3 when the user selects balance inquiry, passbook entry inquiry, and transfer business. , A device for performing a selection operation. The automatic teller machine 6 connects to the host computer 2 of the financial institution via the modem 7, the dedicated line 8, and the encryption device 9 when the user selects balance inquiry, passbook entry collation, and transfer business. , A device for performing a selection operation.

Next, first and second embodiments of the deposit remote inquiry system of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a block diagram showing a first embodiment of the present invention and showing a detailed configuration of the personal computer shown in FIG. In FIG. 2, a personal computer 1
Are a CPU 11 and a floppy magnetic disk drive 12
, A display device 13, a printer unit 14, a card reader / writer device 15, an input unit 16, and an encryption device 17. Next, the function of each component of the personal computer 1 of the present invention will be described. In the personal computer 1 with a built-in general-purpose OS with a communication function, a user selects a job using the input unit 16 and causes the card reader / writer device 15 to read an identification card (hereinafter, referred to as an ID card). A personal identification number and necessary data are input at the input unit 16 in accordance with each task. After the data recognized by the CPU 11 is encrypted by the encryption device 17, the data is sent to the host computer via a line. The data returned according to each task is recognized by the CPU 11 and displayed on the display device 13.
Will be displayed. The data can be printed on the printer unit 14. Further, the data can be stored in a floppy disk by the floppy magnetic disk device 12.

FIG. 3 is a block diagram showing a second embodiment of the present invention and showing a detailed configuration of the automatic teller machine of FIG. This automatic teller machine 6 has the same configuration as the personal computer of FIG. That is, the system includes the CPU 11, the floppy magnetic disk device 62, the display device 63, the printer unit 64, the card reader / writer device 65, the input unit 66, and the encryption device 67.
A task is selected using the input unit 66, and the ID card is read by the card reader / writer device 65. A personal identification number and necessary data are entered at the input unit 66 in accordance with each task. CP
The data recognized by U61 is encrypted by the encryption device 67 and then sent to the host computer via the line. The data returned according to each task is recognized by the CPU 61 and displayed on the display device 63. The data can be printed on the printer unit 64. Further, the data can be stored in a floppy disk by the floppy magnetic disk device 62.

FIG. 4 is a diagram showing an example of the structure of the inquiry content display of the passbook entry on the display device shown in FIGS. The host computer 2 obtains, from the user's account data, the inquiry data of the contents of the passbook entry in the personal computer 1 in the reverse procedure.
Reply to. The returned data is recognized by the CPUs 11 and 61 and displayed on the display device 13 as shown in FIG.
The displayed data can be freely edited by general-purpose spreadsheet software built in the personal computer 1, and the result can be printed on the printer units 14 and 64. Further, the data can be stored in a floppy disk by the floppy magnetic disk devices 12 and 62.

Next, the operation of the embodiment of the deposit remote inquiry system of the present invention will be described in detail with reference to FIGS.

In the deposit remote inquiry system according to the present invention, a personal computer 1 having a general-purpose OS with a communication function connected to a host computer 2 of a financial institution via a modem 4 and a public line 5 allows a user to connect to the host of the financial institution. Connect to computer 2. The user uses the input unit 16 to select a business to be traded from among balance inquiry, passbook entry inquiry, and transfer transaction.

First, when the balance inquiry transaction is selected, I
The D card is read by the card reader / writer device 15. Then, the user inputs a password using the input unit 16. CPU11
Is recognized by the encryption device 17, passes through the modem 4, passes through the public line 5, is transmitted by the encryption device 3, and is transmitted to the host computer 2. The host computer 2 returns the balance inquiry data from the user's account data to the personal computer 1 in a reverse procedure. The returned data is recognized by the CPU 11 and displayed on the display device 13. The displayed data can be printed on the printer unit 14. Further, the data can be stored in a floppy disk by the floppy magnetic disk device 12.

Next, when the inquiry transaction of the contents of the passbook entry is selected, first, the ID card is inserted into the card reader / writer 1.
Have 5 read. Then, the personal identification number is entered by the input unit 16. The data recognized by the CPU 11 is encrypted by the encryption device 17. The host computer 2 replies to the personal computer 1 with reference data of the contents of the passbook entry from the user's account data in the reverse order. The returned data is recognized by the CPU 11, and as shown in FIG.
3 is displayed. The displayed data can be freely edited by general-purpose spreadsheet software built in the personal computer 1, and the result can be printed on the printer unit 14. Further, the data can be stored in a floppy disk by the floppy magnetic disk device 12.

Next, when the transfer transaction is selected, first, the ID card is read by the ID card reader / writer device 15. Then, the user inputs the password, the transfer amount, and the transfer destination using the input unit 16. The data recognized by the CPU 11 is encrypted by the encryption device 17, passed through the modem 4, communicated on the public line 5, analyzed by the encryption device 3, and sent to the host computer 2. The host computer 2 performs transfer processing of the transfer amount from the user's account data to the transfer destination account, and returns the transfer result to the personal computer 1 in reverse order. The returned data is recognized by the CPU 11 and displayed on the display device 13. The displayed data can be printed on the printer unit 14. Further, the data can be stored in a floppy disk by the floppy magnetic disk device 12. This data can be stored in multiple pieces on one floppy disk, and can be used to reduce the next user's transfer operation.

The operation performed by the user at the automatic teller machine 6 is similar to the operation performed by the personal computer 1 described above. When the personal computer 1 and the automatic teller machine 6 are provided with an ID card and a writable IC card in place of the floppy magnetic disk devices 12 and 62 for storing the contents of the passbook entry and the transfer and transfer data, this IC The data can be saved on a card, and data can be edited with an IC card.

[0039]

As described above, in the deposit remote inquiry system of the present invention, a general-purpose OS with a communication function for connecting to a host computer of a financial institution is built in the personal computer of the user, and the financial institution is connected via a public line. Connection with the host computer. Therefore, there is an effect that the balance inquiry, the passbook entry contents inquiry, and the transfer transaction can be performed by the user's personal computer.

The personal computer of the user has a built-in communication function for connecting to a host computer of a financial institution, a general-purpose OS with spreadsheet software, and a floppy magnetic disk device. Therefore, the contents of the passbook entry can be saved in the form of general-purpose spreadsheet software, and the user can freely edit the contents.

Further, a floppy magnetic disk device was built in the personal computer and the automatic teller machine of the user. Therefore, it is possible to store a plurality of transfer and transfer data on one floppy disk, and in the next user's transfer work, the transfer and transfer data stored on the floppy disk can be used to transfer these data. There is an effect that the number of input operations can be reduced.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of a deposit remote inquiry system of the present invention.

FIG. 2 is a block diagram showing a detailed configuration of the personal computer of FIG.

FIG. 3 is a block diagram showing a detailed configuration of the automatic teller machine of FIG. 1;

FIG. 4 is a diagram showing an example of a configuration of a passbook entry inquiry content display of the display device of FIGS. 2 and 3;

FIG. 5 is a block diagram showing a configuration of an example of a conventional automatic transaction processing system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Personal computer 2 Host computer 3 Encryption device 4 Modem 5 Public line 6 Automatic teller machine 7 Modem 8 Dedicated line 9 Encryption device 11 CPU 12 Floppy magnetic disk device 13 Display device 14 Printer unit 15 Card reader / writer device 16 Input unit Reference Signs List 17 encryption device 61 CPU 82 floppy magnetic disk device 83 display device 84 printer unit 65 card reader / writer device 66 input unit 67 encryption device 101 business office 102 preprocessing device 103 automatic transaction device 104 dedicated line 105 host 106 ISDN network 107 mother Store 108 Remote processing unit 109 Dedicated line

Claims (10)

[Claims] 1. A computer having a host computer of a financial institution, a communication capability for connecting to the host computer of the financial institution, and a general-purpose operating system with spreadsheet software, and transmission from the computer and the host computer. An encryption device for encrypting and decrypting the data to be transmitted, a modem for communicating between the computer and the host computer, and a line connecting the computer and the host computer. A deposit remote inquiry system characterized in that a deposit inquiry can be remotely performed by operating the system. 2. An input unit for inputting data such as a business selection for inquiry of the deposit and a personal identification number, a card reader / writer device for reading and writing a card, a CPU for recognizing the data, An encryption device for encrypting and decrypting the data, a display device for displaying the data, and a printer unit for printing the data,
2. The system according to claim 1, wherein the data is encrypted and then sent to the host computer. 3. The deposit remote inquiry system according to claim 2, wherein said card is an identification card. 4. The deposit remote inquiry system according to claim 2, wherein the card is an IC card also serving as an identification card, and the data can be stored in the IC card. 5. The deposit remote inquiry system according to claim 4, wherein the computer can edit the IC card. 6. The deposit remote inquiry system according to claim 1, wherein said computer comprises a floppy magnetic disk device for storing said data. 7. The deposit remote inquiry system according to claim 1, wherein said computer is a personal computer, and said line is a public line. 8. The deposit according to claim 1, wherein said computer is an automatic teller machine for automatically performing a transaction with said financial institution, and said line is a dedicated line. Remote inquiry system. 9. The method according to claim 1, wherein said deposit inquiry is a balance inquiry, a passbook entry inquiry, and a transfer.
The deposit remote inquiry system according to any one of the above. 10. A personal computer including a host computer of a financial institution, a communication performance for connecting to the host computer of the financial institution, and a general-purpose operating system with spreadsheet software; and the personal computer and the host computer. An encryption device that encrypts and decrypts data transmitted from the personal computer, a modem that performs communication between the personal computer and the host computer, a public line that connects the personal computer and the host computer, An automatic teller machine for automatically performing transactions at the financial institution, which incorporates a communication performance connected to a host computer and a general-purpose OS with spreadsheet software, and is transmitted from the automatic teller machine and the host computer. Encrypt and decrypt data Encoding device, a modem for communicating between the automatic teller machine and the host computer, and a dedicated line for connecting the automatic teller machine and the host computer, wherein the user is the personal computer or A deposit remote inquiry system, wherein a deposit inquiry can be made remotely by operating the automatic teller machine.