JPH0241067B2 - - Google Patents

Description

[Detailed Description of the Invention] This invention provides for
The present invention relates to a transaction processing device for processing transactions such as cash deposits and cash payments.

As is well known, bank transactions such as cash deposits and payments can be performed automatically using passbooks and cards with magnetically recorded personal codes and account numbers, with the aim of eliminating bank teller operations. I did it like this,
Automatic teller machines, automatic teller machines, automatic teller machines, and the like are widely used.

These automatic transaction processing devices perform simplified and standardized transaction processing such as reading and verifying bankbooks and cards, determining the authenticity and type of banknotes, storing or discharging counted banknotes, and printing on bankbooks. However, in reality, this type of automated equipment cannot handle transaction processing for all customers. In other words, bank staff must handle stamp verification, checking and sealing of checks, and identifying banknotes that cannot be automatically recognized by equipment.

Conventionally, ordinary banks have installed automatic transaction processing devices such as those described above, as well as staff counters for accepting transactions that cannot be automatically processed by the customer's own operations as described above. Regarding transaction processing received at this staff counter, all administrative processing from start to finish, for example, in the case of cash payment, receipt of passbook and withdrawal slip, seal verification, counting of banknotes, bookkeeping, handing over of banknotes and bankbook. A series of administrative procedures such as these were all carried out through the intervention of staff members. As a result, the processing time required by clerks to process transactions has become extremely long, and this has been 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 its purpose is to eliminate only the pre-processing that truly needs to be performed by a clerk among a series of administrative processes for transactions that require the intervention of a clerk. This is done by the staff member while operating the pre-processing device on the staff side, and the post-processing equipment on the customer side 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 processing efficiency by an attendant by enabling pre-processing by an attendant to proceed with transactions of multiple customers one after another even if post-processing is slow. be. 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 includes, for example, a pre-processing device A that is mainly operated by an employee inside a bank counter and performs pre-processing, and a post-processing device A that is mainly operated by customers outside the counter and performs post-processing. It is broadly divided into B. The post-processing device B, as shown by B1, B2,...Bn,
There are multiple units available.

In preprocessing device A, CPU1 and ROM2
The RAM 3 is the control center, the transmission control device 4 is used to send and receive data to and from the center that manages transaction data, and the CRT is a display device for staff.
A display device 5, a printer 6 for printing slips etc. for bank copies, a keyboard 7 for various input operations by staff, and data recorded on the magnetic stripe section of the passbook (this is used as passbook data). )
A bankbook reader 8 that reads banknotes, and a banknote reader 9 that judges and counts banknotes are under overall control by the CPU 1. Note that these devices 1 to 9 are not all built into the same device 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 post-processing device B, CPU10 and ROM1
1 and RAM 12 are the control center, and a passbook processing device 13 including the above-mentioned passbook data reading/writing device and passbook printing machine, a bill discharging device 14, a guide display device 15, and a passbook are issued in pairs. A card reader 1 that reads magnetically recorded data on a card
6, a slip issuing machine 17 that prints and issues slips for customers, and an internal panel control device 18 equipped with a date setter, various operation indicators, etc.
Controlled by 0.

FIG. 2 is a schematic plan view showing an example of the arrangement of the above-mentioned devices at a bank counter, where numeral 19 in the figure is a counter, and T is a counter 19.
Indicates the staff inside C0, C1, C2,...Cn
each indicates a plurality of customers outside the counter 19.

Further, the CPU 10 in each of the post-processing devices B1, B2, .

Next, the processing operation of the CPU 1 of the preprocessing device A,
The processing operation of the CPU 10 in the post-processing device B 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, bankbook reader 8, etc. 3B is a routine for communicating with the center via the transmission control device 4, and FIG. 3C is a routine for communicating with each post-processing device B. Also shown in FIG. 4 is a memory map of the RAM 3 related to the processing operations of the CPU 1. 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, the first step 301 in FIG. 3A.
processes the transaction data for a certain customer inputted by the clerk by operating the keyboard 7, passbook reader 8, and banknote reader 9, stores the transaction data in RAM 3, and sequentially transmits the input transaction messages to CRT. In addition to displaying the transaction data on the display device 5, the printer 6 controls the printing of 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 a withdrawal slip when withdrawing money. The customer's name and deposit amount are written on the deposit slip by the customer. The withdrawal amount is written in place of the deposit amount on the withdrawal slip, and the customer's seal is affixed thereto. In the case of depositing money, the customer hands the prepared 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 received passbook into the passbook reader 8. In the preprocessing device A, the passbook reader 8 reads the passbook data (account number, printed line of the passbook, balance amount) recorded on the magnetic stripe section of the passbook, and the passbook data is shown in FIG. While storing in area MA in preprocessing area MZ of RAM3,
It is displayed on the CRT display device 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 for automatic counting. In the preprocessing device A, the automatically counted banknote reading data is
Area MB in preprocessing area MZ of RAM3
and display it on the CRT display device 5,
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 input predetermined data such as the amount and type. In the preprocessing device A, the key input data is stored in the area MC in the preprocessing area MZ of the RAM 3, and
It is displayed on the CRT display device 5. After this, the staff member indicates on the CRT display 5 that the specified input operation has been completed.
, and press the input completion key on the keyboard 7. Further, in the case of a withdrawal transaction, the clerk inputs the withdrawal amount written on the withdrawal slip using the keyboard 7. In pre-processing device A, the key-input withdrawal amount is stored in the pre-processing area of RAM3.
In addition to storing it in the area MC in MZ,
It is displayed on the CRT display device 5. 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 processing in step 301 is completed, the process advances to step 302 and waits for the communication enable flag F1 to be 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, the process advances to step 303, where the communication request flag F2 is set. When the communication request flag F2 is set, a communication operation with the center is started in the communication routine of FIG. 3B, as will be described later.

Next, the process advances to step 304, where the message reception flag F is set.
Check condition 3. As will become clear in the explanation that follows, the fact that the message reception flag F3 is set to "0" means that no message has been received during communication with the center, and in this case, step 304 is performed. repeat. In the communication routine of FIG. 3B, 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, the process advances to step 305 and the CRT display device 5
The transaction is rejected and its contents are displayed on the screen, and the user waits for an invalid key to be input on the keyboard 7. When the invalid key is input, the process advances to step 306, resets the message reception flag F3, and returns to the first step 301. Also, 3rd B
In the communication routine shown in the figure, the first
When a message is received, the message indicates transaction permission, and 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 set to "1". in this case,
The program advances from step 304 to step 306, resets this message reception flag F3, 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, a communication enable flag F1 is set. Next step 308
Now, wait for the communication request flag F2 to be 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 proceeds to step 309, where the communication enable flag F1 and the communication request flag F2 are reset. In the next step 310, the area of the preprocessing area MZ is
The transaction data stored in the MA, MB, and MC is appropriately edited and stored in the communication buffer MF with the center, and is transferred to the center via the transmission control device 4. In the next step 311, "Ready" is set to the center to indicate 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 the message cannot be received. In the next step 314, it is checked whether the received first message indicates transaction permission or transaction rejection. A transaction is rejected, for example, if the corresponding account number does not exist, or in the case of a payment, the amount requested exceeds the balance. If the transaction is rejected, the process advances to step 327 and the message reception flag F3 is set to "2". By setting the message reception flag F3 to "2", as described above, the CRT display device 5 displays the fact that the transaction is rejected and the reason thereof, and the clerk is notified of the transaction rejection, and when the clerk inputs the invalid key. , the message reception flag F3 is reset, and the clerk 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 it is checked whether there is an empty area in the center message storage area MX of the RAM 3. The center message storage area MX has the capacity to store messages related to a large number of transactions, and this area MX adopts a list structure,
Data management is performed through list processing. In other words, the center message storage area MX is divided into a large number of records with a certain capacity, and
Unused records are chained as a blank list, and records in which messages are stored are chained as a busy list. 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 is no free record, the process waits at step 315 until a free record occurs. If there is an empty record, proceed to the next step 316, store the first message received in step 312 in the empty record at the end of the empty space list in the center message storage area MX, and remove that record from the empty space list. Erase and insert at the end of the in-use list.

In the next step 317, the address of the record storing the first message in the center message storage area MX is stored in the area MD in the preprocessing area MZ. This allows the pre-processing area to
The MZ transaction data is associated with the first message sent from the center in response to this transaction data.

In the next step 318, it is checked whether there is an empty area in the transaction data storage area MY, and
The purpose of this step 318 is to hold the area until a free area occurs. In addition, the center message storage area
Step 318 may be omitted if the capacity of the transaction data storage area MY is made sufficiently large compared to the capacity (number of records) of MX. Also, like the center message storage area MX described above, this transaction data storage area MY adopts a list structure and performs data management through list processing. If there is an empty record in the empty space list of the transaction data storage area MY, proceed to the next step 319, and store the transaction data (including the telegram address MD) in the preprocessing area MZ in the empty record at the end of the empty space list. and deletes the record from the empty space list and inserts it at the end of the busy list.

In the next step 320, the message reception flag F3 is set to "1". Message reception flag F3 is “1”
Then, as described above, new customer transaction data can be entered in the input processing routine of FIG. 3A.

In the next step 321, "Ready" is set for the center, and the center is prompted to transmit the message following the first message. In other words, the message sent from the center for one transaction data is sent record by record, and the message of the first record (first message) includes data indicating whether the transaction is rejected or permitted. , other data to be recorded in the passbook and update data for the passbook data are sent following the first message. Although the length of the subsequent message is undefined and it is not known how many records there will be, a final message including a termination code is always added to the end of the message of one transaction.

That is, in the next step 322, the message of one record (second message) sent from the center is received, in the next step 323, "busy" is set for the center, and in the next step 324, the center message storage area is set. Check whether there is a free record in MX. If there is a free record, go to step 3.
Proceeding to step 25, the received second message is stored in the empty record, and the record is inserted into the in-use list. Of course, the insertion into the busy list in this case is chained so that it is connected to the first message. In the next step 326, it is determined whether the message received in step 322 is the final message, and if it is not the final message, the process returns to step 321, and
You will receive a message from . If the final message is detected, this means that communication with the center for one transaction has ended, and the first step 30
Return to 7.

In this way, by associating one record with one message sent from the center 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 etc. differs for each customer, the number of messages will differ. Therefore, 1
If you create one record for each customer (storing multiple messages from the first message to the final message), the capacity of one record will be the one with the largest number of recording data. Since it is necessary to adapt to the situation, the center message storage area MX has to have a large capacity.

Further, in the embodiment described above, upon receiving the first message, the clerk inputs transaction data for the next customer in parallel with the reception of the subsequent message, thereby shortening the processing time of the clerk.

As described above, the transaction data (MA, MB, MC) that has been input into the pre-processing area MZ is sent to the center, and if the message sent back from the center indicates transaction permission, The message (up to the final message) is stored in the center message storage area.
Stored in MX and preprocessing area MZ
The transaction data is stored in the transaction data storage area MY in association with the above message. Then, the transaction data and messages of a large number of transaction messages can be stored in MX and MY until there are no empty records in the center message storage area MX or transaction data storage area MY.

In addition, the staff member can display the details of transaction permission or transaction refusal included in the first message on the CRT display device 5.
is displayed, returns the passbook to the customer, and guides the customer to the next operation. For example, in the case of transaction permission, the customer is guided and guided to perform subsequent post-processing by himself/herself using post-processing device B. In addition, in the case of a transaction refusal, measures such as informing the customer of the reason for the transaction refusal will be taken. In the apparatus of the present invention, the customer may use any one of the plurality of post-processing apparatuses B for post-processing.

Next, the post-processing by the post-processing device B and the communication operation between the pre-processing device A and the post-processing device B related to the post-processing will be explained with reference to FIGS. 3C and 5. Note that the communication routine on the pre-processing device A side shown in FIG. 3C is set for each post-processing device Bi (i=1, 2, . . . n).

First, on the side of the post-processing device Bi in FIG. 5, when it is detected in the first step 501 that a passbook has been inserted into the passbook processing device 13, the process proceeds to step 502, where the passbook is accepted into the passbook processing device 13, and
Read the passbook data of that passbook. Next step 5
At 03, the preprocessing device A is notified of the start of processing, and at the same time data indicating the processing target, such as account number data from the passbook data read by the passbook processing device 13, is transmitted to the preprocessing device A.

Then, in the processing on the side of the pre-processing device A in FIG. 3C, the above-mentioned process start notification is detected in step 328, and in the next step 329, passbook data (account number) is received from the post-processing device Bi. At 330, the passbook data (account number) that matches the above passbook data (account number) sent from the post-processing device Bi is added to the in-use list of the transaction data storage area MY.
Search to see if there is something that has As a result, if the corresponding transaction data is found, the transaction data is sent to the post-processing device Bi in step 332, and the telegram address (corresponding to the above-mentioned MD) included in the corresponding transaction data is sent in step 333. ) is stored in the message address area MFi corresponding to the post-processing device Bi. Furthermore, if there is no corresponding transaction data in step 331, then in step 338 this fact is transmitted to the post-processing device Bi.

This return from the pre-processing device A is received at step 504 in the processing on the post-processing device Bi side in FIG. Then, in the next step 505, if the received return content is "no corresponding transaction data", in step 506, the passbook processing device 13
The passbook is then ejected and the process returns to the first step 501.
If the data received at step 504 is legitimate transaction data, the process moves from step 505 to parallel processing of steps 507 and subsequent steps and steps 515 and 516.

First, the processing operations after step 507 will be explained. In step 507, the above step 50
The preprocessing device A is requested to transfer the message (the message from the center) that is paired with the data received in step 4.

In the processing on the pre-processing device A side shown in FIG. 3C, when a message request from the post-processing device Bi is detected in step 334, the process proceeds to step 335, where the message is selected from the in-use list of the center message storage area MX. The message of the address stored in the address area MEi is read and sent to the post-processing device Bi. In the next step 336, step 335
Chain address added to the record of the message read in (This is the address of the subsequent message)
is stored in the message address area MEi. 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. Next step 33
In step 7, it is determined whether the message read in step 335 is the final message, and if it is not the final message, the process returns to step 334.

On the other hand, in the processing on the side of the post-processing device Bi in FIG. 5, the message sent from the pre-processing device A is received in step 508. Next step 509
Then, it is determined whether the received message is storage data or not, and if it is record data, step 510 is executed and the passbook printing machine of the passbook processing device 13 is driven to print out the record data on the passbook. Further, in step 511, it is determined whether the received message is new data of the passbook data (data of the magnetic stripe part), and if it is new data, step 512 is executed, and the passbook reading data of the passbook processing device 13 is executed. drive the data reader and rewrite the passbook data of that passbook. Furthermore, 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 a subsequent message is requested. If the received message is the final message, the process proceeds to step 514, and the passbook processing device 13
Eject the passbook from.

In this way, steps 334, 335, 336, 337 on the preprocessing device A side in FIG. 3C,
Steps 507 and 5 on the side of the post-processing device Bi in FIG.
08,509,510,511,512,513
Accordingly, all the messages corresponding to the above transaction data are transferred from the pre-processing device A to the post-processing device Bi,
A post-processing device Bi performs post-processing based on the message.

Further, in parallel with the above operations, steps 515 and 516 are executed in the post-processing device Bi. That is, in step 515, it is determined whether the transaction data received in step 504 is for a withdrawal transaction.
In step 6, the banknote discharging device 14 is driven to discharge a predetermined amount of banknotes based on the data on the withdrawal amount included in the transaction data. Furthermore, a coin ejecting device (not shown) may also be used to eject banknotes and coins in combination.

As described above, after the preprocessing is completed, transaction data and corresponding messages are stored in the center message storage area.
If the transaction data is stored in MX and transaction data storage area MY, the customer can perform post-processing at any post-processing device B at any time. In particular, no problem occurs regardless of the order in which the post-processing is performed, regardless of the order in which the pre-processing is performed.

Note that the passbook reader 8 and banknote reader 9 of the preprocessing device A are installed on the counter 19, and the passbook reader 8 has passbook insertion/ejection ports on both the customer side and the staff side, so that the It may also be possible to insert the passbook from the customer side, or to eject the passbook directly to the customer side. Alternatively, the bill reader 9 may be configured such that the bill insertion slot is provided on the customer side, the customer inserts the bill, and the bill is ejected through the discharge port provided on the staff side. This will further reduce the number of operations required by the staff member.

As explained in detail above, the transaction processing device according to the present invention is composed of a pre-processing device and a plurality of post-processing devices connected to the pre-processing device, and the pre-processing device includes a passbook reader and a keyboard. A transaction data input device on the clerk's side, a display device for the clerk that displays the input contents etc. by this input device, and a transaction data inputted by the input device is transmitted to the center, and in response, the transaction data is transmitted from the center. means for communicating with the center for receiving the transmitted message; means for displaying a determination result of the validity of at least the transaction data in the message from the center on the display device for the staff member; The requested transaction data and the related message from the center are associated with each other, and the requested transaction data and this are stored in a storage unit having a capacity capable of storing multiple transactions. The post-processing device is equipped with communication means with the post-processing device that retrieves a message corresponding to the above from the storage unit and transfers it to the requested post-processing device, and the post-processing device includes a passbook reading/writing device and a passbook printing machine. A passbook processing device for customers, a cash dispensing device and a guide display device for customers attached to this passbook processing device, and the above transaction data and telegrams corresponding to the passbook data read by the above passbook reader/writer. request to the processing device,
It is equipped with a means for communicating with the preprocessing device that receives transferred data, and a control means for operating the passbook processing device and the cash dispensing device based on the received transaction data and message. Therefore, only the pre-processing that truly requires an attendant is performed by the attendant while operating the attendant-side device, and simple and uniform post-processing that can be left to the customer's control can be done using multiple post-processing machines. The customer can perform the transaction himself/herself at any time using any of the devices, 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 transactions of a plurality of customers. Therefore, extremely flexible processing can be performed with extremely high efficiency through the intervention of staff, and it is possible to significantly improve the efficiency of counter operations at banks and the like.

[Brief explanation of drawings]

Fig. 1 is an overall block diagram of a transaction processing device according to an embodiment of the present invention, Fig. 2 is a plan view showing an example of arrangement of each device of this device in a bank etc., Fig. 3A,
3B and 3C are flowcharts showing the structure of the program executed by the CPU on the preprocessing device A side, FIG. 4 is a diagram showing the memory structure of the RAM on the preprocessing device A side, and FIG. 5 is on the side of post-processing device B.
2 is a flowchart showing the configuration of a program executed by a CPU. A...Pre-processing device, B...Post-processing device, 1...CPU,
4...Transmission control device, 7...Keyboard, 8...Passbook reader, 10...CPU, 13...Passbook processing device, 14
...Banknote ejection device.

Claims (1)

[Scope of Claims] 1. A transaction processing device comprising a pre-processing device and a plurality of post-processing devices connected to the pre-processing device; An input device, a display device for staff to display the input contents etc. by the input device, and transmit transaction data inputted by the input device to the center, as well as a message sent from the center in response to the transaction data. a means for communicating with the center for receiving the transaction data; a means for displaying on the staff display device a determination result of the validity of at least the transaction data in the telegram from the center; and a means for displaying the transaction data determined to be valid by the center. In response to a request from a storage unit having a capacity capable of storing multiple transactions and a post-processing device, the requested transaction data and the corresponding message are stored in correspondence with the above-mentioned message from the center. The post-processing device includes a means for communicating with a post-processing device that retrieves information from the storage unit and transfers the information to the requested post-processing device; and requests the preprocessing device for the transaction data and telegram corresponding to the passbook data read by the customer cash dispensing device and guide display device attached to the passbook processing device, and the passbook reader/writer. , a means for communicating with a preprocessing device that receives transferred data;
A transaction processing device comprising a control means for operating the passbook processing device and the cash dispensing device based on the received transaction data and message.