JPH0812679B2 - Online automated trading system - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online automatic transaction system, and more particularly to an online automatic transaction system in which a terminal installed at a window of a financial institution (hereinafter referred to as transaction input terminal) is connected to a central processing unit.

[0002]

2. Description of the Related Art In a conventional online automatic transaction system, a debit amount and a credit amount are input as separate transactions when inputting a transaction at a financial institution, and a balance between the debit amount and the credit amount is entered. Check
The debit amount and the credit amount are separately calculated from the slip after the transaction is input and checked.

[0003]

In the above-mentioned conventional online automatic transaction system, the debit amount and the credit amount are input as individual transactions, so that the number of steps required for input operation on the transaction input terminal side is reduced. There was a problem that it cost.

Further, since it is necessary to separately collect bills for transactions of debit amounts and credit amounts and totalize the amounts by hand, it takes time for the totaling work after the transactions are completed, and manual calculation is required. There was a problem that it was inaccurate because there were many mistakes because the amount was summed up.

Therefore, by making the input data on the transaction input terminal side consistent with the data used for actually updating the account ledger file, errors on the central processing unit side can be automatically detected without using a slip. Although a transaction system that is designed to be inspected has already been proposed (for example, Japanese Patent Laid-Open No. 63-
No. 156281), the basic method of inputting the debit amount and the credit amount as individual transactions has not been changed in this transaction system.

By the way, in double-entry bookkeeping accounting, it is not always necessary to enter the debit amount and the credit amount as separate transactions, and it is also possible to enter the data in which the debit amount and the credit amount match as one transaction. Is.

In view of the above points, an object of the present invention is to make a transaction in which the debit amount and the credit amount always match and a transaction in which the debit amount and the credit amount do not match (hereinafter referred to as work-in-progress transaction).
When you enter a WIP transaction in which the debit amount and credit amount do not match, you can group multiple WIP transactions by WIP serial number, and add the total debit amount and total credit amount for each WIP serial number. It is to provide an online automatic trading system that manages the balance and can perform a balance check.

[0008]

SUMMARY OF THE INVENTION An online automated transaction system of the present invention is an online automated transaction system in which a transaction input terminal is connected to a central processing unit, and an account ledger file for managing an account ledger and transaction details, and an in-process serial number. And a work in process control file that manages the contents of work in process transactions,
The transaction input terminal for transmitting a transaction message including information indicating the presence or absence of a work in process declaration to the central processing unit, and a work in process that refers to the work in process control file for a work in process transaction declared and input and adds a work in process serial number A serial number numbering unit, a work-in-process control unit that manages work-in-progress transactions in the work-in-process control file in units of work-in-progress numbers, a balance check unit for performing a balance check between the debit amount and the credit amount, and the transaction input terminal. The account ledger file is updated based on the transaction message, and it is determined whether or not the work in process declaration is made.If the work in process declaration is made, the work in process serial number numbering unit refers to the work in process control file. The WIP serial number is assigned and the contents of WIP transactions are managed in the WIP control file by the WIP control unit, and are managed in the WIP control file when the WIP declaration is released. And the same content of a series of widget transactions widget serial number is attached to the check by the balance balance checking part, if not the widget declared is checked by the balance balance checking part the contents of the transaction,
And a transaction processing unit that transmits a result message to the transaction input terminal.

[0009]

The present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an online automatic transaction system according to an embodiment of the present invention. The online automatic transaction system of this embodiment comprises a central processing unit 1, a transaction input terminal 3, an account ledger file 8, an in-process control file 9, and a transaction record file 10 as main components.

The central processing unit 1 comprises a transaction processing unit 4, an in-process serial number numbering unit 5, an in-process control unit 6, and a balance check unit 7.

The transaction input terminal 3 sends a transaction message including information indicating whether or not there is a work in process declaration that the credit amount and the debit amount are unbalanced to the central processing unit 1. For this purpose, the transaction input terminal 3 includes a work-in-process declaration key 3a as an operation member for making a work-in-process declaration. The means for declaring work in progress at the transaction input terminal 3 is not limited to the work in process declaration key 3a, and may be other means such as selection of a menu on the screen.

The transaction processing unit 4 updates the account ledger file 8 based on the transaction message sent from the transaction input terminal 3, and sends the result message (output message or error message) to the transaction input terminal 3. Further, the transaction processing unit 4 determines whether or not the work message is declared in the transaction message, and when the work message is declared, the transaction processing unit 4 notifies the work serial number numbering unit 5 and the contents of the transaction (transaction time, transaction time, The account number, the account code, the loan category, and the transaction amount) are notified to the work-in-process controller 6. If no work in process declaration is made, the transaction processing unit 4
Notifies the balance check unit 7 of the contents of the transaction.

The work-in-progress serial number numbering unit 5 includes a work-in-process control file 9
If there is a work-in-progress serial number that is currently being used by the transaction input terminal 3 in the terminal record, the number is assigned and the transaction processing unit 4 is notified. If the terminal record of the work-in-process file 9 does not have a work-in-process serial number that is currently being used by the transaction input terminal 3 (zero), the work-in-process serial number numbering unit 5 sets the final work in process serial number of the work in process control file 9 to 1 The value obtained by adding is notified to the transaction processing unit 4 as an in-process serial number, and the in-process serial number is stored in the terminal record of the corresponding transaction input terminal 3.

The work-in-progress control unit 6 writes the contents of the transaction notified from the transaction processing unit 4 in the detail record of the work-in-process control file 9 using the work in-process serial number assigned by the work-in-process serial number assigning unit 5 as a key. Further, the work-in-process control unit 6 adds the work-in-process serial number and the contents of the transaction to the total debit amount or the total credit amount of the corresponding work-in-process serial number management record in the work in process control file 9.

The loan balance check unit 7 checks the contents of the transaction notified from the transaction processing unit 4, and if the debit amount and the credit amount do not match, notifies the transaction processing unit 4 to invalidate the transaction. To do. Further, the loan balance check unit 7 checks the contents of a series of in-process transactions having the same in-process serial number managed in the in-process control file 9, and if the total debit amount and the total credit amount do not match, the transaction is performed. The processing unit 4 is notified and a series of in-process transactions having the same in-process serial number is invalidated.

Referring to FIG. 2, the account ledger file 8
Is composed of an account ledger record and a transaction statement record. The account ledger record stores store code, account number, supplier name, balance, account code, etc.
Transaction details records include transaction date, transaction time, loan category,
The transaction amount, transaction type, post-transaction balance, etc. are stored. One transaction detail record is created by one input transaction, and a plurality of transaction detail records are attached to one account ledger record.

Referring to FIG. 3, the format of the transaction message transmitted from the transaction input terminal 3 is as follows: transaction number (withdrawal, deposit, transfer, fixed number, etc.), work-in-progress classification (0: normal,
Control information such as (1) work in progress declaration, 2: (work in progress declaration cancellation), and screen input information including store code, account item code, transaction type, transaction amount, account number, partner account number, and the like.

Referring to FIG. 4, the work-in-process control file 9
Is composed of an in-process control record, an in-process serial number management record, a detail record and a terminal record. The work-in-process control record is created for each store of the financial institution and stores the final work-in-process serial number. The work-in-progress serial number management record is created in advance for the maximum number of work-in-progress serial numbers to be used, and stores the work-in-progress serial number, item presence / absence classification, work in progress, total debit amount, total credit amount, and terminal number. The detail record is created for each in-process transaction, and stores transaction time, account number, account item code, loan category, and transaction amount. The terminal record is created for each transaction input terminal 3 and stores the work-in-progress number currently used by the transaction input terminal 3.

Referring to FIG. 5, the transaction record file 10
The transaction record record stored in is composed of a store code, a terminal number, a transaction number, a transaction date, a transaction time, an account number, a transaction type, a post-transaction balance, an account item code, a loan category, and a transaction amount.

Referring to FIG. 6, the processing of the first half of the online automatic transaction system of this embodiment is performed by receiving an input message and checking step S11, an error presence / absence determining step S12, an error message editing step S13, and a work-in-process declaration release. Judgment step S14 and in-process serial number clear step S
15, account ledger record update step S17, transaction detail record creation step S18, transaction type determination step S19, account item code automatic generation step S20
After-hours determination step S21, fee generation step S22, and account ledger record update step S23
A transaction statement record creating step S24, a partner account number presence / absence determining step S25, a partner account ledger record updating step S26, a transaction statement record creating step S27, an account item code automatic generating step S28,
Account item code determination step S29, fee generation step S30, account ledger record update step S31
And a transaction statement record creating step S32.

Referring to FIG. 7, the process of the latter half of the online automatic transaction system of this embodiment is the process of determining whether or not there is a work-in-process declaration step, a work-in-process serial number numbering step S34, a loan amount totaling step S35, and a work-in-process record. Creation step S36, output message edit step S37, transaction record record writing step S38, loan balance check step S39, balance determination step S
40, an account ledger record restoring step S41, a transaction statement record deleting step S42, an error message editing step S43, and a result message sending step S44.

8 (a), (b), (c) and (d)
FIG. 6 is a diagram illustrating respective transaction journal entries.
(A) is a transaction for withdrawing cash from ordinary savings, (b) is a transaction for transferring ordinary savings to ordinary savings, (c) is a transaction for transferring ordinary savings to time deposits, and (d) is a transaction from ordinary savings Each of the in-process transactions for making money is shown.

Next, the operation of the online automatic transaction system of the present embodiment thus constructed will be described.

In the transaction input terminal 3, when a transaction in which the debit amount and the credit amount always match is input, the contents of the transaction are input without operating the in-process declaration key 3a, and a transaction message is created. It is transmitted to the central processing unit 1.

When inputting a work-in-progress transaction in which it is known that the debit amount and the credit amount do not match in advance, a work-in-process declaration is started at the start of input of a series of transactions in which the debit amount and the credit amount match as a whole. After declaring the work in progress by operating the key 3a, the contents of the transaction are input, a transaction message is created and transmitted to the central processing unit 1.

Further, when the input of a series of in-process transactions is completed, the in-process declaration key 3a is re-operated to cancel the in-process declaration, and a transaction message with the in-process declaration category of "2" is created and stored in the central processing unit 1. Send.

In the central processing unit 1, when a transaction message is sent from the transaction input terminal 3, the transaction processing unit 4 receives the input message and checks it (step S11), and determines whether or not there is an error (step S11). S12). If there is an error,
The transaction processing unit 4 edits the error message (step S1).
3), the result telegram is transmitted to the transaction input terminal 3 (step S44).

If there is no error in step S12, the transaction processing unit 4 refers to the in-process declaration classification of the transaction message and determines whether the in-process declaration is released (whether it is "2") (step S14).

If the work in process declaration is not canceled in step S14, the transaction processing unit 4 searches the account ledger record of the account ledger file 8 using the store code and account number of the transaction telegram as keys, and based on the account item code of the transaction telegram. And then debit or credit, the transaction amount is subtracted or added to the balance of the account ledger record (step S1).
7).

Next, the transaction processing unit 4 obtains the current date and the current time of the online automatic transaction system as the transaction date and the transaction time, and then calculates the loan category obtained as a result of the journal entry and the balance of the account ledger record. , A transaction statement record is created in the account ledger file 8 using the transaction amount and transaction type of the transaction message (step S18).

Then, the transaction processing unit 4 judges whether the transaction type is "cash" or "transfer" (step S1).
9) If it is “cash” as shown in FIG. 8A, the account item code (cash) of the other party is automatically generated (step S20).

Next, the transaction processing unit 4 determines whether it is outside the business hours when the fee is charged (step S2).
1) If it is outside the business hours, a fee is generated (step S22), and the balance of the account ledger record of the account ledger file 8 is subtracted accordingly (step S23), and the fee balance and the account ledger record are subtracted. A transaction statement record is created in the account ledger file 8 using the balance of the above, the fee (transaction amount), and the transaction type (fee) (step S
24).

Further, in step S19, the transaction type is as shown in FIG.
If it is "transfer" as shown in (b), (c) and (d), the transaction processing unit 4 determines whether or not there is a partner account number in the transaction message (step S25), and FIG. ) And (c), if there is a partner account number, the transaction amount is subtracted or added to the balance of the partner account ledger record of the account ledger file 8 (step S26), and the balance and the balance of the partner account ledger record. And a transaction amount record and transaction type are used to create a transaction detail record (step S2
7) The account item code (ordinary savings or fixed deposit) is automatically generated according to the account number designated as the partner account number (step S28).

Next, the transaction processing section 4 judges the account item code (step S29), and if it is "ordinary savings" as shown in FIG. 8 (b), it generates a commission (step S29).
30) According to this, the balance of the account ledger record of the account ledger file 8 is subtracted (step S31), and the loan balance of the fee, the balance of the account ledger record, the fee (transaction amount) and the transaction type (fee). To create a transaction statement record in the account ledger file 8 (step S3
2).

Subsequently, the transaction processing unit 4 determines whether or not the work in process is declared in the transaction message (step S3).
3), as shown in FIGS. 8 (a), 8 (b) and 8 (b), when the in-process declaration is not made, the transaction balance record of the account number of the account ledger file 8 and the other party by the balance check unit 7 It is checked whether the debit amount (transaction amount) and the credit amount (transaction amount + commission) of the transaction details record of the account number match (step S).
39).

If the debit amount (transaction amount) and the credit amount (transaction amount + commission) by the balance check unit 7 match (Yes in step S40), the transaction processing unit 4
Edits the output message (step S37), writes the transaction record record in the transaction record file 10 (step S38), and transmits the result message to the transaction input terminal 3 (step S44).

If the debit amount (transaction amount) and the credit amount (transaction amount + commission) by the balance check unit 7 do not match (NO in step S40), the transaction processing unit 4 invalidates the transaction. The account ledger record of the account ledger file 8 is restored (step S41), the transaction statement record is deleted (step S42), the error message is edited (step S43), and the result message is sent to the transaction input terminal 3
(Step S44).

When the work in process is declared in step S33 as shown in FIG. 8D, the transaction processing unit 4 assigns the work in process serial number from the work in process control file 9 by the work in process serial number assigning unit 5 (step S33). S34).

Next, the transaction processing unit 4 totals the transaction amount of the transaction detail record by the in-process control unit 6 into the total debit amount or the total credit amount of the in-process serial number management record of the in-process control file 9 (step S35), and online. After acquiring the current time of the automatic transaction system as the transaction time, the account number, account code and transaction amount of the transaction message, and the loan category obtained as a result of the journal entry that creates the transaction statement record in the account ledger file 8 are displayed. A work-in-process record is created in the work-in-process control file 9 (step S3).
6).

After that, the transaction processing unit 4 edits the output message (step S37), writes the transaction record record in the transaction record file 10 (step S38), and sends the result message to the transaction input terminal 3 (step S38). S44).

On the other hand, if the in-process declaration is released in step S14, the transaction processing unit 4 clears the in-process serial number of the terminal record corresponding to the transaction input terminal 3 in the in-process control file 9 to zero (step S15). ), The balance check unit 7 checks whether the total debit amount and the total credit amount of the in-process serial number management record of the in-process control file 9 match (step S3).
9).

If the total debit amount and the total credit amount by the loan balance check unit 7 match (step S4)
If 0, the transaction processing unit 4 edits the output message (step S37), writes the transaction record record in the transaction record file 10 (step S38), and sends the result message to the transaction input terminal 3 (step S44). ).

If the total debit amount and the total credit amount by the loan balance check unit 7 do not match (No in step S40), the transaction processing unit 4 invalidates a series of in-process transactions having the same in-process serial number. In order to restore the account ledger record of the account ledger file 8 (step S41),
The transaction statement record is deleted (step S42), the error message is edited (step S43), and the result message is transmitted to the transaction input terminal 3 (step S44).

[0045]

As described above, according to the present invention, it is possible to input a transaction in which the debit amount and the credit amount always match and a work-in-process in which the debit amount and the credit amount do not match, thereby inputting a transaction. This has the effect of reducing the number of man-hours required for input work on the terminal side.

When an unbalanced transaction between the debit amount and the credit amount is input, a plurality of unbalanced transactions between the debit amount and the credit amount are grouped by the work in progress serial number, and the debit amount is summed for each work in progress number. By managing the sum of the credit amount and the total credit amount, there is an effect that the balance check work after the transaction input is completed can be performed in a short time and accurately. For example, when performing accounting closing, you can easily find the cause when the debit amount and the credit amount do not match by referring to the WIP transaction managed by the WIP serial number that does not match. Therefore, the efficiency of paperwork is improved.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an online automated transaction system according to an embodiment of the present invention.

FIG. 2 is a diagram showing the contents of an account ledger file in FIG.

3 is a diagram showing the contents of a transaction message transmitted from the transaction input terminal in FIG.

FIG. 4 is a diagram showing the contents of an in-process control file shown in FIG.

5 is a diagram showing the contents of a transaction record file in FIG.

FIG. 6 is a flowchart showing the processing of the first half of the online automated transaction system of this embodiment.

FIG. 7 is a flow chart showing the processing of the latter half of the online automated transaction system of the present embodiment.

8 (a), (b), (c) and (d) are diagrams respectively illustrating transaction journal entries.

[Explanation of symbols]

 1 Central processing unit 3 Transaction input terminal 4 Transaction processing unit 5 Work in process serial number numbering unit 6 Work in process control unit 7 Balance balance check unit 8 Account ledger file 9 Work in process control file 10 Transaction record file

Claims (2)

[Claims] 1. An online automatic transaction system in which a transaction input terminal is connected to a central processing unit, an account ledger file that manages an account ledger and transaction details, and a work in process control file that manages work in progress serial numbers and contents of work in progress transactions. The transaction input terminal for transmitting a transaction message including information indicating the presence or absence of a work in process declaration to the central processing unit, and a work in process that attaches a work in process serial number to the work in process declared and input by referring to the work in process control file A serial number numbering unit, a work-in-process control unit that manages work-in-process transactions in the work-in-process control file in units of work-in-progress numbers, a balance check unit that performs a balance check between the debit amount and the credit amount, and the transaction input terminal. The account ledger file is updated based on the transaction message, and it is determined whether the work in process is declared, and the work in process is declared. When the WIP serial number numbering unit refers to the WIP control file, the WIP serial number is assigned, the contents of WIP transaction are managed by the WIP control unit in the WIP control file, and the WIP declaration is released. The contents of a series of work-in-progress transactions with the same work-in-progress serial number managed in the work-in-process control file are checked by the loan balance check unit, and if no work in process declaration is made, the contents of the transaction are checked by the loan balance check unit. And a transaction processing unit for transmitting the result telegram to the transaction input terminal. 2. The online transaction system according to claim 1, wherein the transaction input terminal has an operation member for making an in-process declaration.