JP3796151B2 - Transaction processing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a transaction processing system comprising a computer network having as a terminal an automatic transaction apparatus such as a financial automatic machine of a consumer financial institution or an automatic teller machine of a bank, and in particular, every time a customer uses the automatic transaction apparatus. The present invention relates to a technology for automatically conducting a credit check based on a telephone number.
[0002]
[Prior art]
For consumer financial institutions, it is important to conduct credit checks on customers who lend money so that non-performing loans are not generated as much as possible. When you enter into a loan agreement with a customer, you are authenticated by checking your personal information such as address, name, phone number, date of birth, and gender, as well as your work and income. The personal information authenticated at the time of the contract is registered in the customer database of the transaction processing system and used as necessary.
[0003]
Here, when a customer's address or telephone number is changed, it is important to immediately reflect this in the customer database. If this type of personal information is not properly managed, it can lead to customer credit audits and lead to bad loans.
[0004]
[Problems to be solved by the invention]
Consumer financial institutions, banks, and others are taking various steps to track and update customer credit information. If the investigation is conducted with sufficient time and manpower, it will be very effective in preventing bad debts, but it is not always possible to perform a satisfactory credit audit in relation to such costs. It is a fact.
[0005]
The present invention has been made in view of the above-described conventional problems, and its purpose is to provide a telephone number of a customer each time the customer uses an automatic transaction apparatus by means that can be automatically executed at high speed by a computer system. It is an object of the present invention to provide a transaction processing system having a function of checking whether or not there is a change in credit information based on the above, and inquiring the customer immediately when there is a change.
[0006]
[Means for Solving the Problems]
The transaction processing system according to the present invention is specified by the following items (1) to (15).
(1) A transaction processing system including a plurality of automatic transaction apparatuses, a customer information database, a host computer, a staff terminal, and a telephone number search means. (2) The automatic transaction apparatus includes an operation panel including a display. And when the customer inputs the transaction related information, the transaction related information is transmitted to the host computer via the communication line. (3) The customer information database stores a plurality of customer files associated with the customer ID. (4) The customer file includes the customer's telephone number. (5) The host computer is communicable with the telephone number investigation means and the staff terminal, and performs the first processing when receiving transaction-related information from the automatic transaction apparatus. When the first or second notification data is received from the telephone number search means, the second process is performed. (6) The first process is the received transaction related information. The customer ID is extracted from the customer information database, the customer file corresponding to the customer ID is extracted from the customer information database, the telephone number is extracted from the customer file and transmitted to the telephone number investigation means (7) The second process is received The first or second notification data is output to the attendant terminal, and when the first notification data is received, the automatic transaction apparatus to which the transaction related information that is the origin of the first notification data is input; A message for inquiring that the telephone number is not used is displayed on the display of the automatic transaction apparatus. (8) The telephone number investigation means includes an ISDN line connection means and a control means (9 ) The ISDN line connection means is connected to the ISDN and can communicate according to the ISDN protocol. (10) The control means receives the telephone number from the host computer. When receiving, perform the third to seventh processing (11) The third processing is to make a call from the ISDN line connection means with the received telephone number as the called number (12) The fourth processing is the third processing When a message from ISDN for a call is received and the received message is a call message or a response message, the fifth process is performed. When the received message is a disconnect message notifying the missing number, the received message is a new telephone. If the message is a disconnect message informing the change to the number, the seventh process is performed. (13) The fifth process is to send a disconnect message from the ISDN line connection means. (14) The sixth process is the telephone number to be investigated. The first notification data indicating that the password is invalid is returned to the host computer. (15) The seventh process is that the telephone number to be investigated has been changed to a new telephone number. Returning the second notification data to the host computer
DETAILED DESCRIPTION OF THE INVENTION
=== Basic system configuration and operation ===
An outline of an embodiment of a transaction processing system including a credit inquiry system according to the present invention is shown in FIG. Here, a computer network system is assumed in which an automatic transaction apparatus 10 such as a financial automatic machine of a consumer financial institution or an automatic teller machine of a bank is used as a terminal. The automatic transaction apparatus 10 is installed, for example, in an unattended corner of a department store, a supermarket, or a financial institution store. Assume that a customer who is a contractor of a transaction processing system operates the automatic transaction apparatus 10 by himself and receives cash payment.
[0008]
The automatic transaction apparatus 10 reads an operation panel 11 including a display for displaying various kinds of guidance information for a customer and a keyboard operated by the customer, and an ID card owned by the customer who has made a regular contract procedure. Card reader 12, cash dispenser 13, form issuer 14 that prints transaction contents on a form and issues it to the customer, and controls all of these in a unified manner and also provides the host computer 20 and necessary information. And a terminal computer 15 for communication.
[0009]
The host computer 20 and many automatic transaction apparatuses 10 are connected by a dedicated line. In the database 21 of the host computer 20, various customer information including credit information is aggregated, and various transaction information associated with specific transactions is centralized. A large number of clerk terminals 30 are connected to the host computer 20 through dedicated lines, and the clerk operates these terminals 30 to execute various affairs associated with transaction processing. As an information processing function unit of the host computer 20 directly related to the credit inquiry system of the present invention, database management is performed by querying the database 21 and retrieving desired data, or uniformly storing, adding, replacing, and deleting data. A part 22 and a credit information management part 23 that takes measures such as warnings as needed by analyzing changes in customer credit information and the like are extracted and illustrated.
[0010]
A main component of the credit inquiry system of the present invention is a telephone number search device 40 connected to the host computer 20 through a dedicated line. The main body of this investigation device 40 is a general personal computer 41, which incorporates an ISDN communication board 42 and is connected to an ISDN line via a line connection unit (DSU) 43. As is well known, ISDN and a general telephone network are integrally interconnected.
[0011]
=== Introduction part of operation sequence of trust inquiry system ===
The customer performs some transaction start operation using the operation panel 11 of the automatic transaction apparatus 10 and inserts his / her ID card into the card reader 12. The customer ID read by the card reader 12 and the transaction application content entered by the customer are transmitted from the automatic transaction apparatus 10 to the host computer 20. Upon receiving this information, the host computer 20 checks the customer's credit information and transaction information in the database 21 and executes various processes such as determination as to whether or not to conduct the transaction. As one of the information processing at this time, the database management unit 22 searches for a customer file corresponding to the customer ID transmitted from the automatic transaction processing apparatus 10, acquires the telephone number registered by the customer, and acquires the telephone number. Is transmitted to the investigation device 40 and an investigation is ordered.
[0012]
The personal computer 41 (survey device 40) that has received the telephone number and the survey command executes the telephone number survey process shown in the flowchart of FIG. First, a call setting sequence is started for the received telephone number to be investigated (step 100 → 200). In the call setting sequence, first, a “call setting” message is created, in which the telephone number generated as a check target is a called number and non-restricted digital information is specified as a transmission capability, and is sent to the network (step 201). This call setting sequence 200 proceeds according to a circuit-switched call control procedure specified in detail in ITU-T recommendation Q.931. Since the control procedure of this circuit-switched call is explained in detail in various documents, it is not explained in detail in this specification, but a typical sequence proceeds as follows.
[0013]
The network that has received the “call setting” message from the calling terminal sends a “call setting acceptance” message informing the B channel to be used to the calling terminal and also sends a “call setting” message to the receiving terminal. As a result, various performances required for the receiving terminal are specified, and this is checked on the receiving terminal side, and the receiving terminal confirming the conformity returns a “calling” message to the network (the receiving terminal is ringing). This “call” message is sent from the network to the originating terminal. When a response such as off-hook is made at the receiving terminal, a “response” message is sent from the receiving terminal to the network → the calling terminal, and a “response confirmation” message is sent from the calling terminal to the network and from the network to the receiving terminal. It is done. Thus, the “call setting” message is accepted and the line is connected.
[0014]
In addition, a call requested by the calling terminal may not be accepted for various reasons. In that case, the network sends a “disconnect” message to the originating terminal and executes a disconnection recovery sequence. At this time, the reason why the call cannot be accepted is notified in the form of a reason number in the information item reason display item attached to the “disconnect” message sent from the network to the calling terminal.
[0015]
=== Displaying the reason for the "Disconnect" message ===
In the ITU-T recommendation Q.931, the type and number of the reason display attached to the “disconnect” message are defined as follows.
1． Normal class (reason number 1 missing)
This reason display indicates that the number is valid in the format but cannot be received at the other party requested by the calling user because the number is currently missing.
《Reason number 2 No route to designated relay network》
This reason indication indicates that the device that sent the reason indication has received a request to route the call through a special relay network that cannot be recognized. This reason indication transmission source device is not a relay network, or even if it exists, it is a special relay network that does not service the reason indication transmission destination device. Therefore, the relay network is not recognized.
<Reason number 3 No route to opponent>
The reason display indicates that the network to which the call is routed cannot deliver the call to the called user because it does not receive the incoming call request.
<Reason number 6 Channel unavailable>
This reason display indicates that the channel selected as a result of channel selection is not available to the transmitting terminal.
<< Reason number 7: Call to a channel for which a call has already been set >>
This reason display indicates that the user has an incoming call, and the incoming call is connected to a channel that the user has already set up as a similar call (for example, an X.25 virtual call in packet mode).
<Reason number 16 Normal disconnection>
The reason display indicates that the call is disconnected when one of the users related to the call requests call disconnection recovery. Under normal conditions, this reason indication is not generated from the network.
《Reason number 17 arrival user busy》
This reason indication indicates that the called user cannot accept another call. In this case, the user equipment needs to maintain communication consistency for incoming calls.
《Reason number 18 No arrival user response》
This reason display is a message indicating whether the other user is “calling” or “answering” within the allotted time (timer T303 or T310 defined in this specification) defined for the call setup message. Used when not returning.
《Reason number 19: Calling the destination user / No response》
This reason display is used when there is a call notification but there is no response notification within a specified time. This reason display is not necessarily caused by the JT-Q931 procedure, but may be caused by a timer in the network.
《Reason number 20 No subscribers》
This reason indication indicates that the mobile station is logged off (by a signaling procedure through the radio bus) or that radio communication cannot be made with the destination mobile station (eg, failure, out of range or power off).
<Reason number 21 communication rejection>
This reason display is used to indicate that the device that transmitted this reason display is neither busy nor inconsistent and can accept calls, but does not accept calls.
<< Reason number 22: Change of the other party's subscriber number >>
This reason display is to notify the calling user when the incoming call number indicated by the calling user is no longer assigned. At this time, the new incoming number is included in the diagnostic information field.
<< Reason number 26: Disconnection recovery of user not selected >>
This reason display indicates that the user has not received the incoming call.
<< Reason number 27: The other terminal is malfunctioning >>
This reason display indicates that the incoming call to the partner user requested by the calling user could not be made because the incoming side interface was not functionally normal. This “functionally abnormal” means that the signal message does not reach the other user. For example, there is a failure in the physical layer or data link layer of the counterpart user interface, or when the user device is offline.
<< Reason number 28 Invalid number format (incomplete number) >>
This reason display indicates that the incoming call cannot be made to the other user because the incoming call number has an invalid format or is incomplete.
《Reason number 29 Facility rejection》
This reason display is returned when the facility requested by the user cannot be provided on the network.
《Reason to reason number 30 status inquiry》
This reason display is included in the “state display” message when the reason for generating the “state display” message is that the “state inquiry” message is received before the message is generated.
<Reason number 31 Other normal class>
This reason display is only used to report a normal status if it cannot be expressed for other reasons in the normal class.
2. Resource unavailable class << reason number 34 available line / no channel >>
This reason indication indicates that there is currently no suitable line / channel available to handle the call.
《Reason number 38 network failure》
This reason display indicates that the network is not functionally normal and that the condition is likely to last for a relatively long time. For example, it is a case where it is unlikely that the call will be accepted even if it is immediately re-called.
<Reason number 41 Temporary failure>
This reason indication indicates that the network is not functionally normal and that the condition is unlikely to continue for a long time. For example, when the user can request a re-call almost immediately.
<Reason number 42: Switch congestion>
This reason display is used to indicate that the switching device that has generated this reason is congested with high traffic.
[Reason number 43 Access information discarded]
This reason display indicates that the network has not been able to deliver the requested access information (user / user information, lower layer consistency, higher layer consistency or subaddress indicated in the detailed information) to the other user. Special types of discarded access information may be included in the diagnostic information.
<< Reason number 44 Request line / channel unavailable >>
This reason display is returned when the line or channel notified by the requesting terminal cannot be provided by the partner interface.
[Reason number 47 Other resource unavailable class]
This reason indication is used to report as a network congestion event only when no other reasoning in the network congestion class is applicable.
3. Service unavailable class << reason number 49 QOS unavailable >>
This reason indication is used to report that the requested QOS (as defined in Recommendation X.213) is not provided (eg, if no throughput or propagation delay is provided).
《Reason number 50 Request facility not contracted》
This reason indication indicates that the requested supplementary service is not provided by the rope because the user has not completed the necessary administrative procedures for the network providing the facility.
《Reason No. 57 Disallow transmission ability》
This reason display indicates that the user has requested a transmission capability that is the transmission capability realized by the device that generated the reason display but is not permitted to the user.
《Reason number 58 Currently unavailable transmission ability》
This reason display indicates that the user requested a transmission capability that is the transmission capability realized by the device that generated the reason display, but is currently unavailable.
<Reason number 63 Other service or optional unavailable class>
This reason display is used to report a service unavailability event only when other reason indications in the service unavailability class are not applicable.
4). Service not provided class 《Reason number 65 Not provided transmission capability designation》
This reason indication indicates that the device that sent the reason indication does not support the requested transmission capability.
<< Reason number 66: Unprovided channel type designation >>
This reason indication indicates that the device that sent the reason indication does not support the requested channel type.
《Reason number 69 Unprovided facility request》
The reason display indicates that the device that transmitted the reason display does not provide the requested supplementary service.
<< Reason number 70: Restricted digital information transmission ability >>
This reason indication indicates that when a device requests unrestricted digital information transmission capability, the device that transmits this reason indication supports only limited digital information transmission capability among the requested transmission capabilities.
《Reason number 79 Other service or optional non-provided class》
This reason indication is used to report service not provided only when other reasons for service not available apply.
5. Invalid message class << reason number 81 use invalid call number >>
This reason display indicates that the device having transmitted the reason display has received a message with a call number different from that currently used between the user and the network interface.
<< Reason number 82 Invalid channel number used >>
This reason display indicates that the device that transmitted the reason display has received a request to use a channel number that is not activated. For example, the user apparatus or network attempts to use channel numbers 13 to 23 even though the user has subscribed to channels 1 to 12.
<Reason number 83 Specified suspended call identification number unused>
This reason indication indicates that a call with a call identification number different from the call identification number used for the interrupted call has been attempted.
《Reason number 84 interrupted call identification number in use》
This indication indicates that the network has received a call suspend request, but the suspend request is already in use as a suspend call identifier in the interface area where the call may be resumed (if nothing is done). Included).
<Reason number 85: No interrupted call>
The reason display indicates that the network has received a call resume request. However, the call identification contained in the call resumption request indicates that it is not currently used for a suspended call in the interface area where call resumption may occur.
<< Reason number 86 Designated interrupted call disconnection restored >>
The reason indication is that the network has received a resume request, but this resume request includes the call identification once reported as a suspended call, and the suspended call has already been restored (due to remote user disconnection or timeout). Indicates that
<< Reason number 87 User is not a CUG member >>
See additional service specifications << reason number 88 terminal attribute mismatch >>
This reason indication indicates that the device that sent the reason indication has received a call setup request with lower layer consistency, higher layer consistency, or other consistency attributes (eg data rate) that cannot be met. .
<< Reason number 91 Invalid relay network selection >>
This reason indication indicates that the relay network texture has been received but is in an incorrect format as defined elsewhere.
<< Reason number 95 Other invalid message class >>
This reason indication is used to report an invalid message class event only when other reasons for the invalid message class are not applicable.
6). Procedure error (example: unrecognized message) class << reason number 96 required information element missing >>
This reason display indicates that the information element (essential information element) that must be present in the message was insufficient when the device that transmitted the reason display received the message.
[Reason number 97 Message type undefined or not provided]
This reason indication indicates that the device that sent the reason indication has received an undefined message in the device or a message having an unrecognizable message type that is defined but not provided.
<< Reason number 98 Call status and message mismatch or message type undefined >>
This reason indication is that the device that sent this reason indication has received a “status indication” indicating that the message received during the particular call state in the process is not an acceptable message or an inconsistent call state. Indicates.
<< Reason number 99 Information element undefined >>
This reason display is used when a message including an information element that is not defined or is not provided even though the information element identifier of the device that transmitted the reason display is undefined. Note that the information element is limited to the case where the device sending this reason is not necessary for processing the message.
<< Reason number 100 Information element contents invalid >>
This reason indication indicates that an information element is received which is an information element provided by the device that sent the reason indication but is not provided by one or more fields of the information element.
<< Reason number 101 Call state and message mismatch >>
This reason display is used when the received message does not match the call state.
<Reason number 102 Recovery by expiration of timer>
This reason display indicates that the procedure is started by the expiration of the timer according to the error processing procedure of this layer 3 specification.
<Reason number 111 Other procedure error class>
This reason indication is used to report a procedure error event only when other reasons for the procedure error class are not applicable.
7). Into tower kinder class << reason number 127 other interworking class >>
This reason display indicates that interworking has occurred in the network where there is no reason display for operation. Therefore, the exact reason indication for the message to be sent cannot be confirmed.
[0016]
=== Core part of the operation sequence of the credit inquiry system ===
In the telephone number investigation process executed by the credit inquiry system included in the transaction processing system of the present invention, as shown in the flowchart of FIG. 2, the call of the transmitted “call setting” message is accepted in the call setting sequence 200. When a “call” message or a “response” message is transferred from the network, the process exits from step 202 or step 203 to step 301 → 302 → 404, and immediately sends a “disconnect” message to the network to disconnect. The restoration sequence is executed, the telephone number at this time is determined to be a valid number, and the credit information management unit 23 of the host computer 20 is notified that the investigated telephone number is valid.
[0017]
Further, in the call setting sequence 200, when the call of the transmitted “call setting” message is not accepted and the “disconnect” message is transferred from the network, the process exits from step 204 to step 401 → 402 and immediately disconnects. The recovery sequence is executed, and the reason indication of the information element attached to the “disconnect” message from the network is picked up, and the “call setting” message is enabled / disabled according to the content of the reason indication. And make decisions such as hold.
[0018]
(A) Valid number The reason displayed in step 402 is
<Reason number 3 No route to opponent>
<< Reason number 7: Call to a channel for which a call has already been set >>
<Reason number 16 Normal disconnection>
《Reason number 17 arrival user busy》
《Reason number 18 No arrival user response》
《Reason number 19: Calling the destination user / No response》
《Reason number 20 No subscribers》
<Reason number 21 communication rejection>
<< Reason number 27: The other terminal is malfunctioning >>
[Reason number 49 QOS unavailable]
《Reason number 50 Request facility not contracted》
《Reason No. 57 Disallow transmission ability》
《Reason number 58 Currently unavailable transmission ability》
<Reason number 63 Other service or optional unavailable class>
《Reason number 65 Unprovided transmission capability designation》
<< Reason number 66: Unprovided channel type designation >>
《Reason number 69 Unprovided facility request》
<< Reason number 70: Restricted digital information transmission ability >>
《Reason number 79 Other service or optional non-provided class》
《Reason number 88 Terminal attribute mismatch》
If it is any of the above, the telephone number is recognized as a valid number, and this is notified to the credit information management unit 23 (steps 403 → 404).
[0019]
(B) If the reason display picked up in the number change step 402 is << reason number 22 partner subscriber number change >>, a new telephone number entered in the diagnostic information field of the reason display is picked up and the new telephone The credit information management unit 23 is notified that the number has been changed (steps 403 → 405 → 406).
[0020]
(C) Invalid number The reason picked up in step 402 is
《Reason number 1 Missing number》
《Reason number 2 No route to designated relay network》
<Reason number 6 Channel unavailable>
If it is any of the above, the telephone number of the “call setting” message is recognized as an invalid number, and the credit information management unit 23 is notified that the telephone number is invalid (steps 403 → 405 → 407). → 408). In addition, a method of notifying a conclusion by only one investigation process but performing a second investigation process after an appropriate time and also informing that the host computer 20 is notified when it is determined to be invalid there is also adopted. May be.
[0021]
(D) When the reason display picked up in the determination hold step 402 is not any of the reason numbers examined in steps 403, 405, and 407, the telephone number of the “call setting” message is both a valid number and an invalid number. Without the determination, the credit information management unit 23 is notified that the determination is on hold (steps 403 → 405 → 407 → 409).
[0022]
=== Actual operation status ===
Subscribers of this type of transaction processing system are ordinary people, many of whom are ordinary analog telephone network subscribers, and ISDN (INS64) subscribers have been gradually increasing recently. When the telephone number search process is executed under such circumstances, the following response is made between the search device 40 and the ISDN exchange (network).
[0023]
(A) This number is the highest when the calling telephone number is a valid subscriber number of the analog telephone network. Since the investigation device 40 makes a call by designating unrestricted digital information as a transmission capability in the “call setting” message, the network returns a “disconnect” message with << reason number 3 no route to the other party >>. come. In response to this, the host computer 20 is notified that “the telephone number is valid”. What should be noted here is that, in making this investigation and determination, no call is made to the investigation target telephone. In other words, when viewed from the other party being investigated, there is no hassle of being forced to answer a useless phone.
[0024]
(B) If the calling phone number has been changed,
Regardless of whether it is an analog telephone network or ISDN subscriber number, the network returns a “disconnect” message with << reason number 22 partner number changed >>. In response to this, the host computer 20 is notified that “the phone number has been changed”.
[0025]
(C) When the calling telephone number is an unused number, it is important to catch this situation as soon as possible in the credit inspection of the transaction processing system. In this case, the network returns a “disconnect” message with << reason number 1 missing >>, regardless of whether it is an analog telephone network or ISDN subscriber number. In response to this, the host computer 20 is notified that “the telephone number is invalid”.
[0026]
(D) When the calling telephone number is a valid ISDN subscriber number In this case, the exchange changes depending on the situation of the counterpart facility. When a call is made at the receiving terminal (partner) by the “call” message from the personal computer 41 and the other party answers the call, the process proceeds to step 301 in the flowchart of FIG. The disconnection recovery sequence is started from the side, and the telephone number is determined to be valid. Even if a “disconnect” message is returned from the network, the reason number is # 7, # 16, # 17, # 18, # 19, # 20, # 21, # 27 as described above. , # 49, # 50, # 57, # 58, # 63, # 65, # 66, # 70, # 79, it is determined that the telephone number is valid and the reason number is # 2. If it is 6, the telephone number is determined to be invalid, and if the reason number is other than this, the determination is suspended.
[0027]
Note that it may be considered that the explanation in the embodiment is not the best for assigning to each classification of “valid”, “invalid”, and “hold” for each reason number. More detailed examination of ISDN subscriber usage and network response to it, and it is more appropriate to categorize as "valid" rather than "pending", or to classify as "invalid" May be appropriate. The present invention does not hinder such elastic operation.
[0028]
=== Process after receiving notification of survey results ===
When the credit information management unit 23 in the host computer 20 receives the notification that “the telephone number is valid”, it does not need to do anything, or keeps a record that it is determined to be valid on the date of the investigation. Also good. When a notification that “the phone number has been changed” is received, a message that compares the old phone number with the new phone number is output to a predetermined staff terminal 30.
[0029]
When a notification “telephone number is invalid” is received, a message indicating that the telephone number is no longer used is output to a predetermined staff terminal 30 and a warning is output. At the same time, when it is determined that the telephone number is not used, the information is transmitted to the automatic transaction apparatus 10 being operated by the customer, and “Your telephone number is not used” is displayed on the operation panel 11. However, please contact the person in charge. "
[0030]
【The invention's effect】
According to the transaction processing system of the present invention, every time a customer starts transaction processing by operating a terminal computer by means that can be automatically executed at high speed by a computer system, credit information is based on the telephone number of the customer. It can be checked almost immediately whether or not there is any change. As a result of the investigation, if it is found that the customer's phone number is no longer used, the terminal computer is instructed to issue a message asking the customer about the customer's phone number. In addition, it can be expected that the inquiry message will be a kind of warning for malicious customers. As a result, it is possible to improve the reliability of customer credit audits and to effectively prevent the occurrence of non-performing loans.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an outline of an embodiment of a transaction processing system according to the present invention.
FIG. 2 is a flowchart showing an outline of a main part of telephone number search processing in the system;
[Explanation of symbols]
10 Automatic Transaction Processing Device 20 Host Computer 30 Staff Terminal 40 Telephone Number Survey Device

Claims (1)

A transaction processing system comprising a plurality of automatic transaction apparatuses, a customer information database, a host computer, a staff terminal, and a telephone number investigation means,
The automatic transaction apparatus includes an operation panel including a display, and when the customer inputs the transaction related information, the transaction related information is transmitted to the host computer via the communication line.
The customer information database stores a plurality of customer files associated with customer IDs,
The customer file contains the customer's phone number,
The host computer is communicable with the telephone number search means and the attendant terminal, and when receiving the transaction related information from the automatic transaction apparatus, when receiving the first or second notification data from the telephone number search means The second process is performed on
In the first process, a customer ID is extracted from the received transaction related information, a customer file corresponding to the customer ID is extracted from the customer information database, a telephone number is extracted from the customer file and transmitted to the telephone number investigation means. ,
The second process outputs the contents of the received first or second notification data to the staff terminal, and when the received is the first notification data, the transaction related information that is the origin of the first notification data is input. Communicates with the automated transaction device displayed and displays a message on the display of the automated transaction device inquiring that the telephone number is not being used,
The telephone number checking means includes an ISDN line connecting means and a control means.
The ISDN line connecting means is connected to the ISDN and can communicate according to the ISDN protocol.
When the control means receives the telephone number from the host computer, the control means performs third to seventh processing,
In the third process, the received telephone number is called from the ISDN line connecting means as the called number,
The fourth process receives a message from the ISDN in response to the call of the third process. If the received message is a call message or a response message, the fourth process performs the process. If the received message is a disconnect message notifying the missing number, the fourth process is performed. If the received message is a disconnect message informing the change to the new phone number in step 6, perform step 7.
The fifth process is to send a disconnect message from the ISDN line connection means,
The sixth process returns first notification data indicating that the telephone number to be investigated is invalid to the host computer,
The seventh processing is a transaction processing system that returns second notification data indicating that the telephone number to be investigated has been changed to a new telephone number to the host computer.

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