JPS5941223B2 - Trade execution system - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automatic transaction system that automates counter transactions at financial institutions such as banks.

In general, bank counter transactions are performed in the following order: first, the user fills out a slip (referred to as filing), then the bank staff checks the slip, and the bank staff inputs the data written on the slip into the transaction system. Based on the transaction data, the transaction system side accesses the ledger file on the center side based on the user's account number, and transactions are executed in the order in which the update data of the file is output.

On the other hand, as an automatic transaction system that automates these transactions, automatic transaction devices such as automatic cash dispensing machines and automatic teller machines, or automatic issuing machines are used when issuing invoices, thereby allowing customers to issue slips. There are known devices that save the input of transaction data by bank employees.

However, the former device requires the intervention of bank staff due to the customer's proficiency level and crime prevention standpoint, and even the latter system requires the intervention of bank staff to hand over the slips, which is not necessarily a big problem. There are drawbacks that do not result in labor savings.

An object of the present invention is to provide an automatic transaction system that eliminates the above-mentioned conventional drawbacks and can significantly save the work of bank staff.

In order to achieve the above object, the present invention utilizes the user's bill filing operation and provides a display device that can monitor this input operation, and a confirmation button that allows the bank employee to check what is displayed on the monitor and enter a confirmation operation. The system is designed so that the bank employee simply presses a confirmation button, and an example will be described below.

1 and 3A to 3D are block diagrams illustrating a transaction execution system and its operation according to an embodiment of the present invention.

In the figure, CT is a user, 0P is an operator such as a bank employee, 1/0
#0, #1, ... are input devices, MON is a monitoring device, TC is a control device, BF is a buffer memory, CPU is a transaction processing device (hereinafter referred to as the center), FL is a ledger file and the customer's account For each number, the customer's transaction balance data, unrecorded data, address data, and name data are stored.F is an image file that stores the customer's registered abbreviation number data, seal image data, and handwriting image data. It is stored.

Further, KB#01#1 is a keyboard for inputting transaction data, and DP#0 and #1 are displays provided on the first operation screen for providing operational guidance for the user or monitoring input data. , DMO, 1, ... are monitor displays for bank staff to monitor, KK is a confirmation key, and in Figure 3, the part surrounded by a wavy line is display data, and the part surrounded by (G) is input data. This shows that. In this embodiment, a device equipped with a keyboard and a display will be described as an input means, but other known input means may be used, for example, a card storing machine-readable data such as a credit card may be handed to the user in advance. In some cases, a card reader that reads this card 3 times can also be used as an input means.
Furthermore, a pattern reading device capable of reading irregularities on the surface of a seal brought by the customer, a pattern affixed thereto, characters written by the user, etc. can also be used as the input means.

When this input means is adopted, as will be explained later in the embodiment, there is no need to recognize the pattern, and a reading operation that can reproduce only a dot pattern is sufficient, as in the case of reading devices in the field of facsimile machines. . The operation sequence shown in FIG. 1 will be explained.

A user who desires to make one transaction first stands in front of one input device provided at a bank counter, for example, a human-powered device 1/O#0, and starts the operation.

At this time, if each device 1/01#1... is provided for each transaction, for example, input device/0#0 is used as an input device for deposits and transactions, and input device 1/0 If #1 is predetermined, such as a device exclusively for remittance transfer, data of the slip image of the corresponding transaction may be displayed on the displays DP#O and #1 of each device.

When the user specifies a transaction type, an invoice for the corresponding type of transaction is displayed on the display device DP#0.

2 The user looks at the slip displayed on the display device DP#0, enters the account number and transaction amount data, and then enters the abbreviated ID number, seal imprint, or user's name signature on the keyboard K.
Input using B#0 or other input means mentioned above.

This transaction data input by keyboard KB#0 or other input means is transferred to control device TC and temporarily stored in buffer BF.

When storing the data in the buffer BF, the control device TC identifies which input device/O the data is input from, adds identification information to the input data, and stores the data in the buffer BF. Further, the control device TC displays these input transaction data on the display device DMO corresponding to the input/output device /O#0 of the monitor device MON. In addition, the monitor device MO
N has only one display, whereas input device/0
In a system where there are multiple controllers, the controller TC
If time-sharing is taken to an even more extreme level, the display screen of the monitor MON may be changed and displayed on a time-sharing basis only on the input device where the transaction is being conducted.

In this case, it is necessary to transfer data such as machine number data of the input/output device from the control device TC so that the corresponding input/output device can be identified. If the bank employee 0P discovers an operational error in the user CT during input, he advises the user CT that an incorrect input operation has been made and that it should be corrected.

This may be done verbally, but for example, the monitor device MO
An input means such as a key or light pen that indicates an error is placed on the N side, and when a bank employee indicates the error part, the control device TC recognizes this input and displays a link to this effect on the display DP#0. You may also give advice. 0 user C
When the bank employee confirms that T inputs the transaction data and determines that it is correct, the bank employee presses the confirmation key KK.

By pressing this confirmation key KK, the identification data of the corresponding input device is notified to the control device TC. The control device TC searches the buffer BF for corresponding transaction data based on this identification data, extracts it, and transfers it to the center CPU. The 4-center CPU accesses the ledger file FL based on the account number data included in the transferred transaction data.

As mentioned above, in a system that authenticates users using a PIN, l retrieves the PIN from the file FL and retrieves the PIN entered as described above (data transferred to the center CPU as transaction data). ), only those that match are allowed to be traded, and other data in the corresponding transaction data, such as the transaction amount data, is used to create a file FL.
Update the balance data that has been paid. Next, center C
The PU notifies the controller TC that the transaction is possible and that the corresponding amount of cash will be paid. Also, if the PIN is input from input device 1/
Input from O#0 2 Input the image data of handwriting, such as a seal imprint or name registered as described above, to input device 1/O#0.
The case where the machine is manually operated will be explained with reference to FIG.

Input the seal imprint or handwriting image data registered in the image file IF as described above into the device Nitoshi 1/0#0
is transferred from the input device 1/O#O to the control device TC along with identification data that can be used to identify it. This can be achieved in a known manner, for example by using techniques for transmitting facsimile signals. That is, in FIG. 3a, the control device TC first receives account number data, extracts this image data from the image file IF, and displays it on the display device DMO. Next, the image received from the input device is extracted from the buffer BF, and a format editing process is performed so that the image data extracted from the buffer and the image data extracted from the image file F are written side by side as shown in FIG. and displays it on the display DMO (see Figure 3b).
. In Figure 2, A and N are image data showing the handwriting of a name, A is registered image data extracted from the file IF, and A' is image data input from input device 1/O#O. . Further, B and B' are image data of the seal impression, B is extracted from file F, and B' is image data input from input device 1/0#1. These image data are displayed on the display DMO1.
Therefore, the monitor device MON corresponding to input device 1/O#0
displayed on the internal display.

The bank employee 0P compares and confirms the image data A and N or B and B' by displaying them side by side, thereby authenticating the person himself/herself. Next, the transaction amount,
When transaction type data is input from input device 1/0#0,
Each of these transaction data is displayed on the display DMO in the same manner as described above.

(See FIG. 3c) Finally, the user presses a confirmation key, for example, a key with an "O" mark or an "X" mark stamped on the key top.

As a result, a lamp (not shown) of the monitor device MON lights up.

(Refer to Figure 3 d) Accordingly, the operator confirms all the displayed transaction data, and if the operator is confirmed to be a legitimate user and the input data is correct, press the confirmation button KK. , to allow updates to the ledger file described above.

Incidentally, in the above-described embodiment, the identity verification is performed twice, but the verification may be performed only when all transaction data and image data are displayed on the display of the monitor device.

Further, an automatic cash dispensing device is installed in parallel at the input device 1/0 #0 position, and when a notification that a payout is possible is sent from the control device or the center CPU to this automatic dispensing device, the corresponding amount of cash is automatically paid out. It may be configured as follows.

In addition, in the latter embodiment (an embodiment that uses an image file), if a bank employee discovers an error in input data during the final check and points out that part, special features such as displaying a link to automatically correct the part are provided. A display operation may also be performed.

Furthermore, for transaction data that can be corrected by a bank employee, for example, the monitor device may be provided with a light pen and a correction function that uses the light pen, thereby allowing the bank staff to correct and input the data.

As described above, according to the present invention, it is possible to obtain an automatic transaction system that saves the labor of bank employees and reduces transaction errors.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an embodiment of the present invention, FIG. 2 is a drawing for explaining the main part thereof, and FIGS. 3A to 3D are block diagrams for explaining the operation. In the figure, I/O is an input device, MON is a monitor device, TC is a control device, CPU is a center device, FL is a ledger file, I
F is an image data file.

Claims (1)

[Claims] 1 A ledger file in which account data is stored for a user's account is accessed using predetermined transaction data input by the user to perform transactions based on the account data and transaction data. In a transaction execution system, a first input means is provided on an operation surface operated by a user and inputs the transaction data; an operation panel having a display means for displaying transaction data input from the first input means and a second input means for confirming the transaction by checking the transaction data displayed by the display means, the first input means For transaction data entered by the user from
A transaction execution system characterized in that when a confirmation operation is performed by the second input means, a transaction is executed based on the transaction data and account data.