JPS588378A - Transaction device - Google Patents

Abstract

PURPOSE:To improve the processing efficiency of each processing section and of window jobs at banks, by performing the processing for the preprocessing operated with a personnel in charge of a series of office processings and the postprocessing operated by a customer in parallel. CONSTITUTION:A preprocessor A for preprocessing operated with a personnel in charge is located at the inside of a window counter of a bank and a plurality of post-processors B1-Bn operated with a customer are located at the outside of the counter. A CPU1 controls a bank book reader 8 and a CRT display device 5 with the input from a keyboard 7 and displays the input data and transmits the data to the processing center via a transmission controller 4. The response to the input data from the center is received with the CPU1, the response telegraphic message is discriminated and the input data and the telegraphic message are applied to a CPU10 wherein the devices B1-Bn are not under processing. The response telegraphic message is displayed on the device 5 and the processing is made according to the operation of the customer from the devices B1-B to improve the efficiency of the window jobs.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a transaction processing device for processing transactions such as depositing cash and paying cash at a counter in a financial industry such as a bank.

As is well known, with the aim of simplifying bank counter operations,
Automatic teller machines, automatic teller machines, or cash machines that can automatically perform bank transactions such as depositing and paying cash using passbooks or cards that magnetically record personal codes and account numbers. Automated teller machines and the like are widely put into practical use.

These σ automatic transaction processing devices have simplified and standardized functions such as collecting and verifying bankbooks and cards, determining the authenticity and type of banknotes, storing or discharging counted banknotes, and printing on bankbooks. Transaction processing is performed automatically, and in reality, transaction processing for all customers cannot be handled by this type of automated device. That is, □Seal verification, checking and stamping of checks, and identification of banknotes that cannot be automatically distinguished by equipment must be handled by bank staff.

Conventionally, ordinary banks have installed automated transaction processing devices such as those described above, and also have staff counters for accepting transactions that cannot be processed automatically by the customer's own operations as described above. . Regarding the transaction processing received at this staff counter, all administrative processing from the beginning to the end,
For example, in the case of cash payments, a clerk was involved in a series of administrative processes such as receiving bankbooks and withdrawals, checking stamps, counting banknotes, recording, and handing over banknotes and bankbooks. As a result, the processing time required for the clerk to process transactions becomes extremely long, and this is the main reason for the low administrative processing capacity of counter operations.

This invention was made in view of the above-mentioned conventional problems, and the purpose of this invention is to solve only the pre-processing that truly needs to be performed by a clerk in a series of administrative processes for transactions that require the intervention of a clerk. This is done by the staff member while operating the staff-side pre-processing device, and the customer-side post-processing device performs simple and uniform post-processing that can be left to the customer's operation. To provide a transaction processing device capable of greatly improving the processing capacity of an attendant by enabling pre-processing by an attendant to proceed with transactions of a plurality of customers one after another even if post-processing is slow. It is in. Another object of the present invention is to provide a plurality of post-processing devices so that post-processing can be performed by any of the devices at any time by operation by a customer.

Hereinafter, one embodiment of the present invention will be described in detail based on the drawings.

FIG. 1 shows the overall configuration of a transaction processing device according to the present invention. This device is operated mainly by an employee inside a bank counter, for example, and is used to perform preprocessing @HA and counter processing. It is roughly divided into post-processing equipment B, which mainly produces one product by an outside customer and performs post-processing. The post-processing device B is 81. B2. ... As shown by Bn, a plurality of units are provided. .

In preprocessing device A, CPU1, ROM2, and RAM
3 is the center of control and handles transaction data. A transmission control device 4 is used to send and receive data to and from the center, a CR1 display device 5 is a display device for the staff, a printer 6 is used to print slips, etc. for bank copies, and various inputs are performed by the staff. The CPU 1 includes a keyboard 7 for reading data, a bankbook reader I8 for reading data recorded on the magnetic stripe section of the bankbook (this is referred to as bankbook data), and a banknote reader I9 for determining and counting banknotes. It is under general control. Note that these devices 1 to 9 are not all built into the same housing, but are divided into a plurality of device housings in order to arrange them so that they can be easily operated by staff.

In the rear IJ device, the CPU 10, ROM 11, and RAM 12 are the control center, and the passbook processing section s! includes the passbook data reader and passbook printing machine. 13, bill release @w14, information display @stomach 15, card reader 16 that reads the magnetically recorded data of the card issued as a pair with the passbook, and prints and issues customer slips. The slip issuing machine 17 and an internal panel @III]1li18 provided with a date setting device, various operation indicators, etc. are collectively controlled by the CPU 10.

Figure '2 is a schematic plan view showing an example of the arrangement of the above-mentioned equipment at a bank counter, where the symbol @19 is the counter, ■ indicates the staff member inside the counter 19, C0, 01, 02,...Cn are each counter 1
It shows multiple Ichinomiyas outside of 9.

Also, each rear attachment @B1. B2. . . . The CPU 10 in B11 and the CPL II 6 in the preprocessing unit @A are connected to each other so that predetermined data can be exchanged, as will be described later.

Next □, the processing operation of CPU 1 of pre-processing N@HA and post-processing 1
The processing operation of the CPU 10 in 11@HB will be explained.

3A, 3B, and 3C are flowcharts showing the processing program of the CPU 1 (stored in the ROM 2), and FIG. 3A is an input processing routine regarding the keyboard 7, passbook reader 8, etc. Figure 3B shows the communication routine with the center via the transmission control wheel weight 4, and the 3C
The figure shows a communication routine with each post-processing device B. Also the fourth
The figure shows 8 RAM3 related to the processing operation of CPLll.
This is the memory map of The explanation will be given below in sequence according to these figures.

The processing routines shown in FIGS. 3A, 3B, and 3C are executed in parallel by, for example, means such as an interrupt.

First, in step 301 of hand stamping in FIG. 3A, the clerk uses the keyboard 11 bankbook reader 8.゛Process transaction data about a certain customer input by operating the banknote reader 9,
In addition to storing the transaction data in the RAM 3, the input transaction message is sequentially displayed on the CRT display station 5,
The printer 6 performs I#JIIll to print predetermined data in the transaction data on the slip. This preprocessing will be explained in detail. As is well known, a customer creates a deposit slip when depositing money, and creates a withdrawal slip when withdrawing money.

The customer's name and deposit amount are written in the deposit slip by the customer. In place of the deposited amount, a payment slip is written with a payment slip and the customer's seal is affixed thereto. In case of deposit, the customer □
Hand over the created deposit slip, passbook, cash for the amount to be deposited, and, if depositing by check, the check to the clerk. Cash may include coins in addition to banknotes. In the case of withdrawal, the customer hands over the withdrawal slip and passbook prepared by the customer to the clerk. In the case of a withdrawal, the clerk checks the impression of the seal affixed on the withdrawal slip and the registered stamp on the passbook to see if they match. Then, the clerk inserts the receipt into the passbook reader 8. In the preprocessing device A, the passbook reading 118 reads the passbook data (account number) recorded on the magnetic stripe section of the passbook.

4), and the passbook data is stored in the preprocessing area MZ1. of the RAM3 shown in FIG. 4. :t3
CR1 display device 1
Displayed on 5. Thereafter, the passbook is ejected from the passbook reader 8. Next, in the case of depositing money, the clerk inserts the banknotes handed over by the customer into the banknote reader 9 and has the banknotes automatically counted.

In the preprocessing device, the automatically counted banknote reading data is transferred to area MB in preprocessing area MZ of RAM3.
The banknote reading data is stored in the computer and displayed on the CRT display device F5, and furthermore, this banknote reading data is printed out by the printer 6. Regarding defective banknotes that cannot be counted automatically, coins and checks received from customers, the clerk operates the keyboard 7 to enter predetermined data such as the amount and type of the money.

In preprocessing device A, the key manual data is stored in RAM.
It is stored in the area MC in the pre-processing area MZ of No. 3 and displayed on the CRT display W15. Thereafter, the staff member confirms on the CR1 display device 15 that the predetermined 9- input operation has been completed, and presses the input completion key on the keyboard 7. Also,
In the case of a withdrawal transaction, the clerk uses the keyboard 7 to input the withdrawal amount written on the withdrawal slip or slip. In the preprocessing device, the key input withdrawal amount is transferred to the preprocessing N of RAM3.
It is stored in the area MO in the processing area MZ and displayed on the CRT display W15. After this, the clerk presses the payment machine key on the keyboard 7. The above is the specific content of step 301.

When the input process in step 301 is completed, step 302
Then, the communication enable flag F1 is set.

This communication enable flag F1 is set when it becomes possible to communicate with the center regarding a new transaction in the communication routine with the center shown in FIG. 3B, which will be described later.

When the communication enable flag F1 is set, step 303
Then, the communication request flag F2 is set. When the communication request flag F2 is set, a communication operation with the center 10 is started in the communication routine shown in FIG. 3B, as will be described later.

Next, the process advances to step 304, and the state of the message reception flag F3 is checked. As will become clear in the following explanation, the fact that the message reception flag F3 is set to "0" means that no message has been received during communication with the center. repeat. Third
In the communication routine shown in Figure B, when the first message from the center is received and the message indicates transaction rejection, the message reception flag F3 is set to "2". in this case,
Proceeding to step 305, the CRT display device 5 displays the fact that the transaction is rejected and its contents, and - An invalid key is entered on the keyboard 7.

When the invalid key is input, the process proceeds to step 306, resets the message reception flag F3, and returns to the first step 301. In addition, in the communication routine of FIG. 3B, the first message from the center is received, the message indicates transaction permission,
When the process of moving the transaction data in the pre-processing area MZ to the transaction data storage area MY is completed, the message reception flag F3 is
is set to "1". In this case, step 304
The process then proceeds to step 306, resets this message receiving flat 3, and returns to the first step 301.

Next, the communication routine with the center shown in FIG. 3B will be explained. In the first step 307, the communication possible flag F1
Set. In the next step 308, the communication request flag F2 is set. When the communication request flag F2 is set, that is, when a communication request is issued in the input processing routine described above, the process advances to step 309, and the communication enable flag F1. Reset the communication request flag F2. In the next step 310, the area of the pre-processing area MZ -
The transaction data stored in MA, Me, and McJ is appropriately edited and stored in the communication buffer MF with the center, and transferred to the center via the transmission control A@4.

In the next step 311, [Ready J] is set to indicate to the center that it is possible to receive a message. In the next step 312, the first message transmitted from the center is received by the transmission control device 4 and stored in the communication buffer MF. In the next step 313, "busy" is set to the center to indicate that it is possible to receive a message. In the next step 31'4, it is determined whether the received first message indicates transaction permission (2
Check if indicates transaction refusal. For example, a transaction will be rejected if the account number to be used does not exist, or in the case of a payment, the amount requested for payment exceeds the balance. If the transaction is rejected, the process proceeds to step 327, and the message reception flag F3 is set to [2]. - By setting the message reception flag F3 to "2", as mentioned above, the fact that the transaction is rejected and the reason will be displayed on the C-RT display @X5, the transaction rejection will be notified to the clerk, and the clerk will be invalidated. When the key is input, the telegram reception flag F3 is reset, and the staff member is now ready to enter the next customer's transaction data.

If transaction permission is detected in step 314, the process proceeds to step 315, where the center message storage area MX of RAM3
Check if there is free space. The center message storage area MX has a capacity capable of storing a large number of messages, and this area MX adopts a list structure so that data management is performed through list processing. .

In other words, the center message storage area M-X is divided into a large number of records in a certain format, and unused records are chained as a blank list, and records in which messages are stored are chained as an in-use list. be done. Therefore, the determination in step 315 as to whether or not there is space in the center message storage area MX is to check whether or not there is a record in the space list.

Note that if there are no free records, this step 31
It will hold until an empty record occurs in step 5.

If there is an empty record, proceed to the next step 316;
The W41 message received in step 312 is stored in the empty code at the end of the empty space list in the center message storage area MX, and the record is deleted from the empty space list and inserted at the end of the in-use list.

In the next step 317, the 7th address of the record storing the first message in the center message storage area 14-AMX is stored in the area MD in the IJjBM medium area MZ. As a result, the transaction data in the processing area MZ is associated with the first message sent from the center for this transaction data.

In the next step 318, it is checked whether or not there is an empty area in the transaction data storage area MY, and this step 318 holds the transaction data storage area MY until an empty area occurs. Note that step 318 may be omitted if the capacity of the transaction data storage area MY is set sufficiently large □ relative to the capacity (number of records) of the center message storage area MX. In addition, this transaction data storage area MY employs a list structure, similar to the above-mentioned center message storage area MX, and performs data management through list processing.

If there is a vacant space/code in the vacant space list of the transaction data storage area MY, the process advances to the next step 319, and the transaction data (including the telegram address MD) in the preprocessing party re-rea MZ is stored in the vacant record at the end of the vacant space list. ), delete the current record from the empty space list, and insert i at the end of the in-use list.

Next, in step 320, the message reception flag F3 is set to "1". When the message reception flag F3 becomes rlJ, a state is reached in which new customer transaction data can be input in the input processing routine of FIG. 3A, as described above.

In the next step 321, the center is set to "ready" and the center is prompted to transmit the message following the 11th message mentioned above. In other words, the message transmitted from the center for one transaction data is sent in Regord units, and the first le code message (first message) includes data indicating that the transaction is rejected but the transaction is permitted. The update data for the passbook data and the entry data for other passbooks are sent following the first message. The length of the I-system message is undefined, and it is not known how many records there will be, but a final message including a termination code is always added to the end of the message of one transaction. In other words, in the next step 322, the center receives the message of the code (12 messages) sent from the center, in the next step 323 it sets "Busy J" to the center, and in the next step 324, the center message storage area MX is set. If there is an empty record, the process proceeds to step 325, stores the received second message in the empty record, and inserts the record into the in-use list.Of course, in this case Use of □ Insertion into the middle strike is chained so that 11 messages are connected.Next step 32
At step '321, it is determined whether the message received by the smartphone 322 is the last message or not. A fourth message will be received. If the final message is detected, this means that communication with the center for one transaction has ended, and the process returns to the first step 3.7.

'For each message sent from the center like this, 1
By associating two records and chaining each record, the center message storage area MX can be used efficiently with a small capacity. That is, since the number of bookkeeping data and the like changes for each customer, the number of messages also changes. , Therefore, if one record is provided for one customer (this one record stores multiple-drink messages from the first message to the final message), the capacity of one record is Since it is necessary to adjust the number to the case where the number of record data is the largest, the center message storage area Mx has no choice but to be a good luck.

Furthermore, in the above embodiment, when the first message is received, the clerk inputs transaction data for the next customer in parallel with the reception of the subsequent message, reducing the clerk's processing time to 1.
It is shrinking □.

As described above, the transaction data (MA, Me, MC) that has been input into the pre-processing area MZ is sent to the center,
If the message returned from the center indicates guidance permission, the message (up to the final message) will be stored in the center message storage area MX, and the transaction data of 1 rear MZ will be stored in the center message storage area MX during pre-processing. It is stored in the transaction data storage area MY in association with the above-mentioned message. The transaction data and messages of a large number of transaction messages can be stored in the center 18--the message storage area MX or the transaction data storage area MY in the MX and MY until there are no more empty records.

The staff member, after seeing the details of the transaction permission or transaction refusal included in the first message displayed on the CR7 display device 15, returns the passbook to the customer and instructs the customer to perform the following operations. Induce. For example, in the case of permission for a transaction, the customer is guided to perform the subsequent post-processing by himself/herself using the post-processing device B, and the transaction is confirmed. If the transaction is refused, take measures such as informing the customer of the reason for the transaction refusal. In the device of the present invention,
The post-processing performed by the customer himself/herself is performed by one of the multiple post-processing devices B.

This can be done using any device.

Next, the post-processing by the post-processing device B and the communication operation between the pre-processing@@A and the post-processing device B related to the post-processing will be explained with reference to FIG. 130 and FIG. Note that the communication routine on the pre-processing device A side shown in FIG. 3C is for each post-processing device 131.
It is set for each (i −1, 2, . . . n ).

First, on the post-processing @1lBi side in FIG. and read the passbook data of that passbook. In the next step 503, the preprocessing device 1A is notified of the start of processing, and the passbook processing M@
Among the bankbook data read at @13, for example, the account number data is sent to the preprocessing device A at the same time. .

Then, in the processing on the side of the pre-processing device fA in FIG. In step 330, the transaction data storage unit checks whether there is any bankbook data (corresponding to the MA) that matches the bankbook data (account number) sent from the post-processing device Bi in the in-use list of the rear MY. Search for whether or not. As a result, if the corresponding transaction data is found, the transaction data is transmitted to the post-processing device 1Biη in step 332, and the electronic message address (corresponding to the MD) included in the corresponding transaction data is sent in step 333. is stored in the message address area MEI corresponding to post-processing 1i1fBl. Also, if there is no corresponding transaction data in step 331, then in step 338, the I! Send to device B1.

The return from this pre-processing device A is as follows:
It is received at step 504 in the processing on the first side. Then, in the next step 505, if the received return content is "no corresponding transaction data", step 50
Passbook processing at 6! The passbook is ejected from the device 13' and the process returns to the first step 501.

If the data received in step 504 is legitimate transaction data, the processes from step 505 to step 507 and subsequent steps and step 515. Shift to parallel processing of '51'6 processing.

First, the processing operations after step 507 will be explained.

In step 507, a request 21 is made to the preprocessing device to transfer a message (a message from the center) that is paired with the data received in step 504 above.

In the processing on the side of the pre-processing device A shown in FIG. 3C, when a message request from the post-processing device B1 is detected in step 334, the process proceeds to step 335, where the contents of the in-use list of the center message storage area MX are The above message address area M'
The message at the address stored in the EI is read and transmitted to the post-processing device 81.

In the next step 336, the chain address (the address of the subsequent message) added to the record of the message read in step 335 is transferred to the message address area ME.
ik' is stored. Note that in the center message storage area MX, the record from which the message was read is of course deleted from the in-use list and inserted into the empty space list. In the next step 337, it is determined whether the message read in step 335 is the final message, and if it is not the final message, step 334
Return to

On the other hand, in the processing on the side of the post-processing device 3i in FIG. 5, the message transmitted from the pre-processing device A is received in step 508. In the next step 509, 22- determines whether the received message is record data, and if it is record data, executes step 510, drives the passbook printing machine of the passbook processing device 13, and prints the record data in the passbook. print out. Also, in step 511, it is determined whether the received message is new data of the passbook data (data in the @ stripe part), and if it is new data ♀, step 512 is executed and the passbook processing device 113 processes the passbook. Drives the reading/feeding amount and rewrites the passbook data in the bankbook. Further, in step 513, it is determined whether the received message is the final message, and if it is not the final message, the process returns to step 507 and requests a message to be connected. If the received message is the final message, the process advances to step 514 and the passbook is ejected from the passbook processing device 113.

In this way, steps 334, 335, 336, 337 and 1 on the HWIA side in the preamble '11 of FIG.
5 II i7) Post-processing @lFB i II (F) Stay 7507, 50゛8.509,510,511
, 512, 513, all the messages corresponding to the above transaction data are sent from preprocessing device A to follow-up 1! The message is transferred to @llB+, and the post-processing device FBi performs post-processing based on the message.

In addition, in parallel with the above operation, in the back-loading lp device Bi, "
Steps 515 and 516 are executed. That is, in step 515, it is determined whether the transaction data received in step 504 is a withdrawal transaction, and if it is a withdrawal transaction, the process proceeds to step 516, and the transaction data included in the transaction data is determined. Based on the data on the withdrawal amount, the banknote discharging device 114 is driven to discharge a predetermined □ amount of banknotes. Furthermore, a coin ejecting device (not shown) also serves as a unit to combine banknotes and coins.

It may also be released in batches. .

As described above, once the preprocessing is completed and the transaction data and the corresponding message are stored in the center message storage area MX and the transaction data storage area MY, the customer can Post-processing can be performed in processing device B. In particular, it has nothing to do with the handling order of pre-processing.
'No matter what order the post-processing is performed, no problem will occur.

In addition, the passbook reader 8 and banknote reader 9 of Pre-process @IIA are installed on the counter 9, and the passbook insertion/ejection opening of the passbook reader 8 is provided on both the customer side and the staff side. The customer may also be able to insert the passbook, and the passbook may be ejected directly to the customer. In addition, the banknote insertion date of the banknote reader 9 is set on the customer side, and the customer is asked to insert the banknote.
The bill may be ejected through an ejection port provided on the staff-side surface. If this is done, the operations of the -rf member will be further reduced.

As explained in detail above, the transaction processing I! according to the present invention! @
The stomach has a pre-processing device and multiple post-processing devices connected to it.
The preprocessing device is composed of a transaction data input device for the clerk including a bankbook reader and a keyboard, a display device for the clerk to display the input contents etc. by the human resource department, and the preprocessing device A communication means with the center that transmits input transaction data to the center and receives a message sent from the center in response, and at least the transaction data 25 of the message from the center.
- a means for displaying the -II determination result of the validity of data on the above-mentioned display device for the staff; In response to a request from the post-processing device, the requested transaction data and the corresponding message are retrieved from the storage section, and the requested post-processing @1 is performed. The post-processing device includes a customer passbook processing device including a passbook reading/writing device and a passbook printing machine, and a customer cash processing device attached to the passbook processing device. A pre-processing device that requests the above-mentioned pre-processing device for the transaction data and electronic message corresponding to the discharge department and guide display '@1 and the passbook data read by the above-mentioned passbook reader/writer, and receives the transferred data. and a control means for operating the passbook processing device and the cash dispensing@pupil based on the received transaction data and telegram. Therefore,
Multiple machines were installed with simple and uniform post-processing that allowed the staff to perform only the pre-processing that required an attendant while operating the stomach while leaving the operations to the customer. Post-processing at one of the locations! Even if the customer can perform the transaction himself/herself at the same time, and even if the post-processing by the customer's operation is slow, the pre-processing by the clerk's operation can proceed one after another for multiple customers' transactions. Therefore, it is possible to perform extremely uniform processing with the help of staff, with great efficiency.
It will be possible to significantly improve the ability of counter operations at banks and other institutions.
−

[Brief explanation of drawings]

FIG. 1 shows a transaction process according to an embodiment of the present invention! FIG. 2 is a block diagram of the entire device, and FIG. 3A is a plan view showing an arrangement example of each device of the device in a bank or the like. 3B and 3C are flowcharts showing the configuration of the program executed by the CPU on the side of the preprocessing device A,
FIG. 4 is a diagram showing the memory configuration of the RAM on the preprocessing device A side, and FIG. 5 is a diagram showing the memory configuration of the RAM on the preprocessing device A side. It is a flowchart showing the structure of the program executed by the CPU on the side of Ki'yuki B. A... Pre-processing device B... Post-processing device 1... CPU 4... Transmission control device 7... Keyboard 8... ...Passbook reader-10...c p u. 13... Passbook processing device 14... Bill ejecting device Patent applicant Tateishi Electric Co., Ltd. Figure 3A Figure 4

Claims (1)

[Claims] (1) A transaction processing device consisting of a pre-processing device and a plurality of post-processing devices connected to the pre-processing device. (2) The pre-processing device 11 is a transaction data input device for an attendant including a passbook reader and a keyboard. , a display device for the staff that displays the input contents etc. by this input @-, and transmits the transaction data inputted by the input device to the center, and receives a message sent from one center in response. a means for communicating with the center; a means for displaying the validity determination result of at least the transaction data in the telegram from the center on the display device for the staff member; and a center related to the transaction data determined to be valid by the center. 1. respond to the request from the post-processing device;
It is provided with means for communicating with a post-processing device that retrieves the requested transaction data and the corresponding message from the storage section and transfers it to the requested ``back hair 11''device; The device includes a passbook processing device for customers including a passbook reading/writing device and a passbook printing machine, a cash dispensing and guidance display @ station for customers attached to this passbook processing device, and the above-mentioned passbook reading and sending station. A means of communication with the preprocessing device that requests the transaction data and telegram corresponding to the read passbook data from the preprocessing@pupil and receives the transferred data, and based on the received transaction data and telegram. The above passbook office I! ! A transaction W1 processing device comprising: a device and a control means for operating the above-mentioned cash withdrawal till.