JPH01136295A - Transaction processing system - Google Patents

Abstract

PURPOSE: To exactly notify the time till the time when a transaction is started by calculating the waiting time till the time when the transaction for a customer is started from the transaction processing required time per one time and notifying the waiting time by a guidance means. CONSTITUTION: An electronic slip storage device 1 processes the data inputted by the operation of a customer. A one-line terminal equipment 2 performs various kinds of financial transactions based on the data transmitted from the electronic slip storage device 1. The data inputted by the operation of the customer is stored in a file part 6 and the number of the input data which is the processing waiting state for all the transaction subjects that a system handles is stored in a non-volatile memory 22. A CPU 18 calculates the waiting time till the time when the transaction for the customer is started and this waiting time is displayed on a display part 12.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a transaction processing system implemented in a branch of a financial institution such as a bank, and particularly when a transaction desired by a customer is handled at a counter called a counter. This relates to a transaction processing system.

[Conventional technology]

Currently, when a customer conducts a transaction at a financial institution's branch counter,
The customer fills in the necessary information for the transaction he or she wishes to make on a slip on a recording table installed in the store, hands the slip to the staff at the counter, and then the staff calls him in the lobby of the store. It is common to wait.

In this case, at financial institutions, when accepting transactions, staff members sometimes distribute number tags to customers and organize the order of processing, but when it comes to waiting time until transaction processing begins, staff members rely on their experience and intuition to The current situation is that more often than not, they are not informed.

On the other hand, in recent years, automation in financial institutions has become more powerful, and as a link to this, transaction times can be shortened by eliminating the need for counter staff to input the contents of slips received from customers into transaction processing equipment. With the aim of shortening the waiting time for transaction processing for customers, the system accepts transactions by having customers operate an input device called an electronic slip entry device and enter the necessary information for the desired transaction. A system has been proposed in which inputted items are transferred to a transaction processing device at a counter for transactions, but in this case as well, the waiting time until the start of transaction processing is not communicated to the customer.

Therefore, the conventional technology has the following problems.

[Problem to be solved by the invention] In other words, even if a financial institution staff member accepts a transaction and informs the customer of the waiting time until the transaction processing begins, this information is based on the staff member's experience and intuition and is not necessarily accurate. If it comes off, there is a risk that it will cause great discomfort to the customer.

Furthermore, if the customer is not informed of the waiting time until the start of transaction processing, the customer has to keep waiting without knowing when his or her transaction will be executed, which is not psychologically pleasant.

The present invention has been made to solve such problems, and by accurately calculating and informing the customer of the waiting time until the transaction processing starts or ends before or after accepting the transaction, the present invention avoids discomfort to the customer. The purpose of the present invention is to realize a transaction processing system that can improve customer service without giving any additional fees to customers.

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention includes a pre-transaction processing device (electronic slip recording device) that processes data input by a customer's operation, and a pre-transaction processing device that processes various financial transactions based on the data sent from the pre-transaction processing device. In a transaction processing system that is equipped with a post-transaction processing device (- line terminal device) that performs processing, there is a file section that has a vending file that stores input data manually input by customers, and a processing queue for all transaction items handled by the system. The pre-transaction processing device is equipped with a storage means for storing the number of input data in the state, a calculation means for calculating at least the waiting time for the customer until the start of the transaction, and a guidance means.

[For production]

In the present invention having the above-described configuration, after a customer inputs data necessary for a desired transaction using a pre-transaction processing device, if the post-transaction processing device cannot immediately process the data, the input data is processed by transaction item and input order. In addition to storing such information in the vending file of the file section, it is also stored in the vending file of the file section, and is calculated by the calculation means from the number of input data of the corresponding transaction item in the storage means and the time required for transaction processing per transaction set in advance for each transaction item. A waiting time until the start of a transaction for the customer is calculated, and the calculated waiting time until the start of the transaction is notified to the customer by a guidance means.

Therefore, unlike the conventional method of telling customers the waiting time until the start of a transaction based on the experience and intuition of the clerk, it is now possible to accurately tell the customer the waiting time until the start of the transaction. In addition, since the waiting time until the start of a transaction is communicated to all customers conducting a transaction, it is possible to eliminate the discomfort and anxiety caused by customers having to wait, and this makes it possible to measure the service direction for customers. becomes.

〔Example〕

An actual #fti example will be described below with reference to the drawings.

FIG. 1 is a block diagram showing one embodiment of a transaction processing system according to the present invention.

In the figure, 1 is an electronic slip recording device used as a pre-transaction processing device in this embodiment, and 2 is a line terminal device used as a post-transaction processing device. An external device connection mechanism 4 that connects the device 3 to an external device such as an information terminal device (described later), a main control section 5, a file section 6, and a connection between other devices under the control of the main control section 5 or an office (not shown). The -line terminal device 2 is composed of a communication mechanism 7 and the like for data communication with a processor, etc., and also includes a receiving means (not shown) for receiving data sent from an electronic slip recording device l, and a receiving means for receiving data sent from an electronic slip recording device l, and a receiving means for receiving data such as banknotes and coins. a cash processing machine for processing cash deposits and withdrawals; a certificate passbook entry machine for processing securities such as checks and bills; and passbooks for various deposits; It is comprised of a control means for controlling the operation of the certificate and passbook recording machine, and the like.

Here, the input device 3 includes 8 to 17 elements.

That is, 8 is a card reader/writer (card R/Writer) that reads and writes information to the magnetic stripe provided on the customer's CD card or ID card.
W), 9 is a passbook stripe league for reading information from the magnetic stripe of a customer's passbook, and 10 is a receipt printer that prints on numbered tags for ordering and receipts for card transfer transactions after completing information input for transactions. be.

Reference numeral 11 denotes a display/input section, and this display/input section 11 includes a display section 12 with a full-dot liquid crystal display that formats and displays the screen necessary for transaction input by the customer, such as the slip format, guidance message for the customer, input characters, input images, etc. , a transparent digitizer 13 having the same resolution as the display unit 11 and for inputting the customer's address, name, transaction details, etc. by electrostatic coupling with an input pen 15, which will be described later, or by electromagnetic induction, or by pressing with the input pen 15; It is constituted by a touch panel 14 as a coordinate conversion section used in combination with the display section 11.

In this display input section 11, an input pen 15 is used to input the customer's address, name, etc. that require character recognition.
For selection of subjects, etc., transaction items may be displayed on the display unit 12 and inputted by touching the desired item with a finger on the touch panel 14.

Reference numeral 16 denotes a middle window reader for processing seal image data, and reference numeral 17 denotes a slave control section for controlling input/output of these elements 8 to 16 mainly in accordance with instructions from the main control section 5.

On the other hand, the main control section 5 includes a CPolB, a main storage section 19 as a storage means having a waiting time information table to be described later, a timer 20 that outputs the current time as necessary, and a battery that is a power source of the timer 20. 21, a nonvolatile memory 22 backed up by the battery 21, an interface 23 connected to a plurality of input devices 13, an interface 24 connected to a plurality of line terminal devices 2, and the file section 6. It consists of a connected interface 25, and the CP
U1B is a function for controlling the input device 13 and the file section 6 through the respective interfaces 23 to 25, and performing interlocking processing with the line terminal device 2.

It has functions such as pattern recognition of input characters and seal imprint verification, and searches the nonvolatile memory 22 for the number of input data waiting to be processed for each subject that can be handled by the electronic slip recording device 1. Processing start time, processing end time, processing start or processing end time of the transaction item selected by the customer based on the search method, the number of searched input data, and the time required for processing one transaction preset for each transaction. It functions as a calculation means etc. for calculating the waiting time.

Further, the file unit 6 is under the control of the main control unit 5 and is an input pending data file that stores input data blocks, which will be described later, including transaction items, and the device number of the line terminal device 2 in an empty state that can immediately start processing. , a slip format data file that stores slip format data for all transaction items that should be handled for customers, a customer guidance condition data file that stores customer guidance condition data, and various types of guidance displayed on the display unit 12 during customer input operations. It consists of a guidance wording data file that stores wording data, and means for reading and updating this data.

FIG. 2 is a diagram showing an example of the format of the waiting time information table provided in the non-volatile memory 22 in the main control unit 5. As shown in the figure, this waiting time information table includes transaction item codes, transaction processing It has areas for storing the required time, number of input blocks, and waiting time, respectively. After the power is turned on to the electronic slip entry device 1, the average transaction time for each item is set, and the number of input data blocks and waiting time for all items are set. The initial value of time "0" is stored.

FIG. 3 is a perspective view showing the external appearance of the electronic slip recording device 1 in FIG. 1. Here, an example is shown in which four input devices 3 are integrated into one unit. Card R/W 8 of each input device 3, passbook streak reader 9
, display input section 11, input pen 15, and seal lead section 16
are arranged on the surface of the device so that they can be operated by a customer, and correspondingly provided with an ejection port 26 for ejecting the number tag or receipt printed by the receipt printer 10.

Figure 4 shows the electronic slip recording device 1 in Figures 1 and 3.
FIG. 5 is a block diagram showing an example of the connection of devices corresponding to FIG. 4, and as seen in FIG. An electronic slip recording device 1 is placed in the lobby, and line terminal devices 2 are installed at each of the high and low counters that form the counters.

27 is a customer guidance device that guides customers in the lobby to various rooms; 28 is an information terminal device that displays various information during transactions in the reception room; and 29 is a device that displays various types of transactions through customer operations. Automatic transaction equipment (ATM)
), 30 is an executive terminal device through which an officer with predetermined authority specifies the operation mode of each device, and 31 is a gateway for communicating between the devices in the store and the center. .

FIG. 6 is a flowchart showing the operation of the embodiment shown in FIG. 1 shows the processing when a processing end notification is issued for No. 1.

Figure 7 is a subroutine of the flowchart in Figure 6, and (T) in the same figure shows the steps (indicated by S) in Figure 6 (1).
6, the process (II) in the same figure is shown in FIG. 6 (II) step (S
) 12 processes.

Next, the operation will be explained using FIGS. 1 to 5 together with FIGS. 6 and 7.

First, a customer who wishes to conduct a transaction selects an available input device 3 of the electronic slip recording device 1 and inputs the desired transaction item using the touch panel 14 of the display operation section 11.
At this time, the display unit 3 of the input device 3 displays all the trade items that can be handled, as well as a predetermined guidance text and an initial screen showing the waiting time until the start of trading for predetermined trade items, such as trade items with high trading frequency. Displayed.

An example thereof is shown in FIG. 8 (1).

Note that the calculation of the waiting time until the start of the transaction will be explained later.

When a transaction item is input, guidance text corresponding to the transaction item is displayed on the display section 3.

As a result, the customer follows the guidance on the display section 12, reads the card R/W 8, the passbook stripe reader 9, and the display input section 1.
1. Operate the input pen 15 and seal reading section 16 to input data necessary for the desired transaction.

As a result, the electronic slip recording device 1 executes the process shown in FIG. 6N).

l1 The data input by the customer is sent to the CPU1 of the main control unit 5.
Based on the slip format stored in the file unit 6, the input data block is edited by B as an input data block consisting of a serial number, a transaction item, a reserve area, and an input data string, and is stored in the main storage unit 19.

First, the CPU 18 instructs the file unit 6 to search for the device number of the one-line terminal device 2 in the input pending data file, and based on the search result, determines whether there is any one-line terminal device 2 that is currently vacant. If the device number exists, the device number is stored in the main storage unit 19 and goes to S3, otherwise the device number goes to S6.
to move to.

ΣThe main CPU 18 reads the input data block from the main storage section 19, transfers it to the corresponding one-line terminal device 2, and then instructs the file section 6 to clear the corresponding device number stored in the input pending data file. .

l1 The CPU 18 retrieves the transaction processing time corresponding to the transaction item of the input data block from the waiting time information table set in the non-volatile memory 22, and
The transaction end time and waiting time until the transaction end for the customer are calculated from the current time and the transaction processing time output from The information is transferred to the input device 3 along with the predetermined guidance wordings and the like called up from the input data block, and the input data block in the main storage section 19 is cleared.

When the slave control unit 17 of the input device 3 receives the calculation result 1 serial number, device number, guidance wording, etc. from the CPUI B, it causes the receipt printer 10 to print the serial number, and prints the serial number on the receipt printer 10 and sends it to the customer from the outlet 26 as a number tag. At the same time, the display unit 12 displays the transaction end time, the waiting time until the transaction ends, the device number, and a predetermined guidance message, that is, a message to guide the customer to the counter where the first-line terminal device 2 where the transaction is to be made is located. Display.

The customer then goes to the relevant counter, hands over the card, bankbook, etc. to the staff at the counter, and waits for the transaction to be completed.

Incidentally, after the input device 3 performs the above display for a certain period of time,
Return to the initial state and prepare for the next customer's input.

Σ1 The CPU 18 updates the contents of the waiting time information table in the nonvolatile memory 22.

That is, as shown in 36a of FIG. 7(1), the CPU 18 sets "1" to the value of the input data block number of the corresponding transaction item.
”, the addition result is stored as a new number of input data blocks, and as shown in S6b, the time required for transaction processing of the corresponding transaction item multiplied by the updated number of input data blocks is calculated. Then, the calculated time is stored as a new waiting time.

ΣThe transaction start time is calculated from the above-mentioned updated waiting time, that is, the waiting time until the start of the transaction and the current time output by the timer 20, and the time required for transaction processing is added to the waiting time until the start of the transaction. The waiting time until the end of the transaction is calculated, and the end time of the transaction is calculated from the calculated waiting time until the end of the transaction and the current time output from the timer 20, and the waiting time until the start of the transaction is calculated.

The transaction end time and the waiting time until the end of the transaction are transferred to the input device 3 together with the serial number, the waiting location, and a predetermined guidance wording read out in advance from the guidance wording data file in the file section 6.

When the slave control section 17 of the human-powered device 3 receives the transaction start time, waiting time until the transaction start, transaction end time, waiting time until the transaction end 9 serial number, waiting place, guidance wording, etc. from the CPU 1B, the receipt printer 10 A serial number is printed on the machine, and the serial number is released as a number tag to the customer from the outlet 26, and the display unit 12 displays the above-mentioned times, waiting times, waiting locations, and predetermined guidance text, that is, guides the customer to the lobby. Display the text for the purpose.

An example of this is shown in No. 8 (■).

The customer then goes to the lobby and waits until an attendant is called.

In this case as well, the input device 3 performs the above display for a certain period of time, then returns to the initial state and prepares for the next customer's input.

Once the CPU 18 transfers the input data block in the main memory section 19 to the file section 6 and stores it in the input pending data file, the CPU 18 clears the input data block in the main memory section 19.

This completes the data input process.

On the other hand, when the - line terminal device 2 issues a processing end notification to the electronic slip recording device 1, the electronic slip recording device 1 executes the processing shown in FIG. 6 (II).

The CPU 18 of the main control unit 5 causes the main storage unit 19 to store the device number of the line terminal device 2 that sent the processing end notification.

The CPU 18 instructs the file unit 6 to search for an input data block in the input pending data file, determines whether or not there is an input data block currently in a waiting state based on the search result, and if there is, the process proceeds to S12. To,
If there is none, the process moves to S17.

The CPU 18 instructs the file unit 6 to read out the first input data block in the input pending data file, that is, the input data block having the lowest serial number, and store it in the main storage unit 19. Clears the input data block section in the input pending data file.

The S'l 3 CPU 1B reads the input data block from the main storage section 19 and transfers it to the corresponding line terminal device 2.

The CPU 1B updates the contents of the waiting time information table in the nonvolatile memory 22.

That is, as shown at 514a in FIG. 7 (rl), the CPU 1B subtracts "1" from the value of the number of input data blocks for the corresponding transaction item, and uses the subtraction result as the new number of input data blocks. Then, as shown at 514b, the time required for transaction processing of the corresponding transaction item multiplied by the updated number of input data blocks is calculated, and the calculated time is stored as a new waiting time.

The CPU 1B calculates the transaction end time from the current time output from the timer 20 and the transaction processing time for the corresponding transaction item, and calculates the transaction end time and the transaction processing time, that is, the waiting time until the transaction is completed. A customer guidance bag W2 along with the number and a predetermined guidance wording etc. called out from the guidance wording data file in the file section 6 in advance.
Transfer to 7.

When the customer guidance device 27 receives the transaction end time, waiting time until the transaction end 2 serial number, device number, guidance message, etc. from the CPU 18, the customer guidance device 27 receives the predetermined guidance message, that is, the customer who has the number plate with the serial number, by the device number. In addition to displaying text to guide the front-line terminal device 2 to a certain counter, the transaction end time and waiting time until the transaction ends are also displayed.

The customer then goes to the relevant counter, hands over the card, bankbook, etc. to the staff at the counter, and waits for the transaction to be completed.

It should be noted that after the customer guidance device 27 performs the above display for a certain period of time, it returns to the initial state and prepares for guidance to the next customer.

The CPU 18 transfers the device number stored in the main storage section 19 to the file section 6 and registers it in the order queue in the input pending data file, and then clears the device number in the main storage section 19.

In the above-described embodiment, the transaction start time is provided to the customer.

Although the waiting time until the start of the transaction, the time when the transaction ends, and the waiting time until the end of the transaction are displayed, it is also possible to display only the waiting time until the start of the transaction on the display section 11 when the customer inputs data.

In addition, in the embodiment that has been achieved, the display unit 11 displays the waiting time until the start of the transaction, etc., but the electronic slip recording device 1 is equipped with an audio output means, The waiting time and the like until the start of the transaction may be notified to the customer, and furthermore, the notification may be provided on both the display unit 11 and the audio output means.

〔Effect of the invention〕

As explained above, in the present invention, after a customer manually inputs the data necessary for a desired transaction using the pre-transaction processing device, if the post-transaction processing device cannot immediately process the data, the input data is processed according to the transaction item and input order. In addition to storing information such as At least the waiting time until the start of the transaction is calculated, and the calculated waiting time until the start of the transaction is notified to the customer by the guidance means.

Therefore, unlike the conventional method of telling customers the waiting time until the start of a transaction based on the experience and intuition of the clerk, it is now possible to accurately tell the customer the waiting time until the start of the transaction. In addition, since all customers conducting transactions are informed of the waiting time until the start of a transaction, it is possible to eliminate the discomfort and anxiety caused by customers having to wait, and this makes it possible to improve the service provided to customers. You can get the effect of

In addition, in addition to the waiting time until the start of the transaction, it is also possible to calculate the start time of the transaction, the end time of the transaction, and the waiting time until the end of the transaction, so if you notify the customer of these two hours at the same time, it will be even better. This has the advantage of improving service.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing an embodiment of the transaction processing system according to the present invention, FIG. 2 is a diagram showing an example of the format of the waiting time information table provided in the nonvolatile memory in FIG. 1, and FIG. FIG. 1 is a perspective view showing the external appearance of the electronic slip recording device, FIG. 4 is a diagram showing an example of the layout of the device in a store of a financial institution, and FIG. 5 is a block diagram showing an example of the connection of the device corresponding to FIG. 4. , FIG. 6 is a flowchart showing the operation of the embodiment shown in FIG. 1, FIG. 7 is a subroutine of the flowchart shown in FIG. be. ■ Electronic slip recording device 2-line terminal device 3 Human power device 5 Main control section 6 File section 11
Operation display section 18 CPU 19 Main memory section 20 Timer 22 Non-volatile memory 27 Customer guide device patent applicant Oki Electric Industry Co., Ltd.

Claims (1)

[Scope of Claims] 1. A pre-transaction processing device that processes data input by a customer's operation, and a post-transaction processing device that processes various financial transactions based on the data sent from the pre-transaction processing device. In a transaction processing system with A storage means for storing the number of input data waiting to be processed for all transaction items, the number of input data for each transaction item in this storage means, and the transaction processing per transaction preset for each transaction item. A pre-transaction processing device includes a calculation means for calculating at least the waiting time until the start of the transaction for a customer who has inputted the required time, and a guidance means for notifying the customer of the waiting time calculated by the calculation means at least until the start of the transaction. A transaction processing system characterized by: