JPH08315215A - Transaction processing method for financial automation equipment - Google Patents
Transaction processing method for financial automation equipmentInfo
- Publication number
- JPH08315215A JPH08315215A JP11458695A JP11458695A JPH08315215A JP H08315215 A JPH08315215 A JP H08315215A JP 11458695 A JP11458695 A JP 11458695A JP 11458695 A JP11458695 A JP 11458695A JP H08315215 A JPH08315215 A JP H08315215A
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- terminal device
- host computer
- processing number
- financial institution
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims description 7
- 238000000034 method Methods 0.000 description 8
- 101100161471 Arabidopsis thaliana ABCB24 gene Proteins 0.000 description 4
- 101100459319 Arabidopsis thaliana VIII-2 gene Proteins 0.000 description 4
- 238000010586 diagram Methods 0.000 description 4
- 230000003287 optical effect Effects 0.000 description 2
- 238000004904 shortening Methods 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 1
- 238000007796 conventional method Methods 0.000 description 1
- 239000000284 extract Substances 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
(57)【要約】
【目的】 金融機関に設置した取引端末装置における取
引時間を短縮し、顧客の待ち時間の短縮及び金融自動化
機器の運用効率の向上を目的とする。
【構成】 金融機関に設置したＡＴＭ２や窓口端末装置
４と、顧客が各自所有する個別端末装置３と、これらと
情報の送受信を行うホストコンピュータ１を具備し、個
別端末装置３より顧客が取引内容の情報を予めホストコ
ンピュータ１に送信すると、該ホストコンピュータ１が
前記取引内容を固有の処理番号を付加して記憶しさらに
前記個別端末装置３に該処理番号を返送し、前記個別端
末装置３はこの処理番号を出力し、その後、前記処理番
号を金融機関に設置した前記ＡＴＭ２や窓口端末装置４
を介してホストコンピュータ１に送信すると、前記ホス
トコンピュータ１が前記処理番号に対応する取引内容を
取り出し、この内容に従って取引を実行する。
(57) [Summary] [Purpose] The purpose is to shorten the transaction time at the transaction terminal device installed in a financial institution, shorten the waiting time for customers, and improve the operational efficiency of financial automation equipment. [Structure] ATM 2 and counter terminal device 4 installed in a financial institution, individual terminal device 3 owned by each customer, and host computer 1 for transmitting and receiving information to and from these are provided. Information is sent to the host computer 1 in advance, the host computer 1 stores the transaction contents by adding a unique processing number, and returns the processing number to the individual terminal device 3, and the individual terminal device 3 This processing number is output, and then the ATM 2 or the counter terminal device 4 which has installed the processing number in a financial institution.
When it is transmitted to the host computer 1 via, the host computer 1 takes out the transaction content corresponding to the processing number and executes the transaction in accordance with this content.
Description
【０００１】[0001]
【産業上の利用分野】本発明は、顧客や窓口の行員が金
融機関に設置した取引端末装置を操作することにより自
動取引を行う金融自動化機器の取引処理方法に関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing method for a financial automation device in which a customer or an employee at a counter operates a transaction terminal device installed in a financial institution to perform automatic transactions.
【０００２】[0002]
【従来の技術】従来の金融自動化機器の取引処理方法
は、まず、顧客もしくは窓口の行員が取引端末装置であ
る自動取引装置（以下ＡＴＭとする）や窓口取引装置に
取引内容を入力し、これよりホストコンピュータに取引
内容を送信して取引を行うというものであった。2. Description of the Related Art In the conventional transaction processing method for financial automation equipment, first, a customer or an employee of a window inputs transaction contents into an automatic transaction device (hereinafter referred to as ATM) or a window transaction device which is a transaction terminal device. It was to send the transaction details to the host computer and perform the transaction.
【０００３】[0003]
【発明が解決しようとする課題】しかしながら、上述し
た従来の方法によれば、取引が多数ある大口利用者であ
っても金融機関のＡＴＭまたは窓口まで出向き、取引内
容の入力を最初から行って取引処理を行わなくてはなら
ず、取引に時間がかかり、顧客に長い待ち時間を強いる
とともに、金融自動化機器の運用効率の低下を引き起こ
していた。However, according to the above-mentioned conventional method, even a large-scale user who has many transactions goes to the ATM or the counter of the financial institution to input the transaction details from the beginning. Processing has to be done, transactions take time, customers have to wait a long time, and the operational efficiency of financial automation equipment has deteriorated.
【０００４】本発明は、以上の問題点に鑑み、金融機関
における取引内容の入力時間を短縮する方法を得て、取
引時間を短縮し、顧客の待ち時間の短縮及び金融自動化
機器の運用効率の向上を目的とする。In view of the above problems, the present invention provides a method for shortening the transaction content input time at a financial institution, shortening the transaction time, reducing the waiting time for customers, and improving the operational efficiency of financial automation equipment. For the purpose of improvement.
【０００５】[0005]
【課題を解決するための手段】上記目的を達成するた
め、本発明は、取引内容の入力を別途に行い、金融機関
における取引時間より取引内容の入力にかかる時間を削
除するようにする。すなわち、本発明は、金融機関に設
置した取引端末装置と、該取引端末装置と情報の送受信
を行うホストコンピュータを具備する金融自動化機器の
取引処理方法において、顧客が各自所有する個別端末装
置と前記ホストコンピュータ間で情報の送受信を行うよ
うに予め設定しておき、前記個別端末装置より顧客が取
引内容の情報を予めホストコンピュータに送信すると、
該ホストコンピュータが前記取引内容を固有の処理番号
を付加して記憶しさらに前記個別端末装置に該処理番号
を返送し、前記個別端末装置はこの処理番号を出力し、
その後、前記処理番号を金融機関に設置した前記取引端
末装置を介してホストコンピュータに送信すると、前記
ホストコンピュータが前記処理番号に対応する取引内容
を取り出し、この内容に従って取引を実行することを特
徴とする。To achieve the above object, according to the present invention, transaction contents are separately input, and the time required for inputting transaction contents is deleted from the transaction time at a financial institution. That is, the present invention is a transaction processing method for a financial automation device including a transaction terminal device installed in a financial institution and a host computer that transmits and receives information to and from the transaction terminal device, in which an individual terminal device owned by each customer and It is set in advance so that information is transmitted and received between host computers, and when the customer transmits information on transaction details to the host computer from the individual terminal device in advance,
The host computer stores the transaction content with a unique processing number stored therein, and further returns the processing number to the individual terminal device, and the individual terminal device outputs the processing number,
After that, when the processing number is transmitted to the host computer through the transaction terminal device installed in the financial institution, the host computer extracts the transaction content corresponding to the processing number and executes the transaction in accordance with this content. To do.
【０００６】[0006]
【作用】以上の構成により、本発明は、顧客が各自所有
する個別端末装置より取引内容を入力しホストコンピュ
ータに送信すると、該ホストコンピュータが前記取引内
容を固有の処理番号を付加して記憶しさらに前記個別端
末装置にこの処理番号を返送し、前記個別端末装置はこ
の処理番号を出力し、その後、金融機関の取引端末装置
よりこの処理番号をホストコンピュータに送信すると、
前記ホストコンピュータが前記処理番号に対応する取引
内容を取り出しこの内容に従って取引を実行することが
できる。According to the present invention, according to the present invention, when a customer inputs transaction contents from an individual terminal device owned by each customer and transmits the transaction contents to the host computer, the host computer stores the transaction contents by adding a unique processing number. Further, this processing number is returned to the individual terminal device, the individual terminal device outputs this processing number, and then this processing number is transmitted from the transaction terminal device of the financial institution to the host computer,
The host computer can retrieve the transaction content corresponding to the processing number and execute the transaction according to the content.
【０００７】[0007]
【実施例】以下に本発明の実施例を図面に従って説明す
る。図１は本発明の第１の実施例を適用した金融自動化
機器のシステムを示すブロック図であり、これは取引端
末装置として顧客が操作する自動取引装置（以下ＡＴ
Ｍ）を使用した例を示している。Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing a system of a financial automation device to which a first embodiment of the present invention is applied. This is an automatic transaction device operated by a customer as a transaction terminal device (hereinafter referred to as AT).
The example using M) is shown.
【０００８】図において、１はホストコンピュータ、２
は金融機関に設置されたＡＴＭであり、該ＡＴＭ２は前
記ホストコンピュータ１と通信接続してデータの送受信
を行う。３は顧客の所有する個別端末装置であり、予め
金融機関と提携してホストコンピュータ１と情報の送受
信が行えるように設定しておく。また、金融機関は提携
した顧客に、本サービスと提携済の顧客であることを証
明する本サービス専用のＩＤカードを供給しておく。In the figure, 1 is a host computer, 2
Is an ATM installed in a financial institution, and the ATM 2 communicates with the host computer 1 to send and receive data. Reference numeral 3 is an individual terminal device owned by the customer, and is set in advance so that information can be transmitted and received to and from the host computer 1 in cooperation with a financial institution. Further, the financial institution supplies the affiliated customer with an ID card dedicated to the service, which proves that the customer has already been affiliated with the service.
【０００９】以下に本実施例による取引手順を説明す
る。まず、顧客は取引内容を個別端末装置３より予め入
力しホストコンピュータ１に送信する。ホストコンピュ
ータ１は前記取引内容を固有の処理番号を付加して記憶
部に記憶しさらに前記個別端末装置３に該処理番号を返
送する。The transaction procedure according to this embodiment will be described below. First, the customer inputs the transaction content from the individual terminal device 3 in advance and transmits it to the host computer 1. The host computer 1 adds the unique transaction number to the transaction content, stores it in the storage unit, and returns the transaction number to the individual terminal device 3.
【００１０】個別端末装置３はこの処理番号を出力す
る。出力の方法としては画面表示や印字が考えられる。
顧客はこの処理番号を控え、その後金融機関に出向き、
専用カードをＡＴＭ２に挿入して取引許可処理、例えば
暗証番号の入力と照会による所有者確認処理とカード情
報の読み取りによる本サービスの提携者確認処理を経て
取引の許可を得た後、取引内容の入力無くして単に前記
処理番号をＡＴＭ２に入力する。The individual terminal device 3 outputs this processing number. Screen output and printing are conceivable as output methods.
The customer makes a note of this transaction number, then goes to a financial institution,
After obtaining the permission of the transaction after inserting the special card into the ATM2 and performing the transaction permission process, for example, the process of confirming the owner by inputting and inputting the personal identification number and the process of confirming the partner of this service by reading the card information, The above processing number is simply input to the ATM 2 without input.
【００１１】ＡＴＭ２はこの処理番号をホストコンピュ
ータ１に送信する。ホストコンピュータ１は前記処理番
号に対応する取引内容を記憶部より取り出し、この内容
に従って取引を実行し、ＡＴＭ２にはＡＴＭ２における
取引記録の出力処理，データの書換処理や現金処理等の
ための処理データを送信する。ＡＴＭ２はこれを受けて
取引記録の出力，データの書換えや現金処理等を実行す
る。The ATM 2 sends this processing number to the host computer 1. The host computer 1 retrieves the transaction content corresponding to the processing number from the storage unit and executes the transaction in accordance with this content, and the ATM2 processes data for transaction record output processing, data rewriting processing, cash processing, etc. in the ATM2. To send. The ATM 2 receives this and outputs transaction records, rewrites data, and executes cash processing.
【００１２】このように、ＡＴＭ２での入力を取引番号
のみにすることで、オペレーション時間の短縮が行え
る。図２は本発明の第２の実施例を適用した金融自動化
機器のシステムを示すブロック図であり、これは取引端
末装置として窓口の行員が操作する窓口端末装置を使用
した例を示している。In this way, the operation time can be shortened by inputting only the transaction number in ATM2. FIG. 2 is a block diagram showing a system of a financial automation device to which the second embodiment of the present invention is applied, which shows an example in which a counter terminal device operated by a counter staff is used as a transaction terminal device.
【００１３】図において、１はホストコンピュータ、４
は窓口の行員が操作する窓口端末装置であり、窓口端末
装置４は前記ホストコンピュータ１と通信接続してデー
タの送受信を行う。３は顧客の所有する個別端末装置で
あり、予め金融機関と提携してホストコンピュータ１と
情報の送受信が行えるように設定しておく。また、金融
機関は提携した顧客に、本サービスと提携済の顧客であ
ることを証明する本サービス専用のＩＤカードを供給し
ておく。In the figure, 1 is a host computer, 4
Is a counter terminal device operated by a counter clerk, and the counter terminal device 4 communicates with the host computer 1 to transmit and receive data. Reference numeral 3 denotes an individual terminal device owned by the customer, which is set in advance in cooperation with a financial institution so that information can be transmitted / received to / from the host computer 1. Further, the financial institution supplies the affiliated customer with an ID card dedicated to the service, which proves that the customer has already been affiliated with the service.
【００１４】顧客が個別端末装置３を介して処理内容を
ホストコンピュータ１におくり処理番号を受けるまでの
手順は第１の実施例と同様である。第２の実施例では、
顧客は前記処理番号を控えて金融機関に出向き、窓口の
行員に専用カードや通帳とともに前記処理番号を渡す。
窓口の行員は、専用カードや通帳を窓口端末装置に挿入
して本サービスの提携者確認処理を経て取引の許可を得
ると、前記処理番号を入力する。The procedure until the customer receives the processing number from the host computer 1 via the individual terminal device 3 is the same as in the first embodiment. In the second embodiment,
The customer goes to the financial institution with the processing number as a reference, and gives the processing number to the clerk at the counter together with the special card and passbook.
When the counter clerk inserts a dedicated card or passbook into the counter terminal device and obtains the transaction permission through the partner confirmation processing of the service, he / she inputs the processing number.
【００１５】ホストコンピュータ１は前記処理番号に対
応する取引内容を記憶部より取り出し、この内容に従っ
て取引を実行し、窓口取引装置４には取引記録の出力，
データの書換えや現金処理等のためのデータを送信す
る。窓口取引装置４はこれを受けて取引記録の出力，デ
ータの書換えや現金処理等を実行する。なお、第２の実
施例において、顧客が個別端末装置３において定型フォ
ーマットに処理番号を印字出力しておいて、行員が光学
文字読み取り装置（ＯＣＲ＝Ｏｐｔｉｃａｌ Ｃｈａｒ
ａｃｔｅｒ Ｒｅａｄｅｒ）５を使用してこれを読み取
らせることで処理番号を入力してもよい。このようにす
れば、一度に多数の処理番号を一括して入力できるの
で、ＡＴＭ，窓口端末装置等の取引端末装置を一人が専
有しないですむ。The host computer 1 retrieves the transaction content corresponding to the processing number from the storage unit, executes the transaction in accordance with this content, outputs the transaction record to the teller transaction device 4,
Send data for data rewriting and cash processing. In response to this, the window transaction device 4 outputs transaction records, rewrites data, executes cash processing, and the like. In the second embodiment, the customer prints out the processing number in the standard format on the individual terminal device 3, and the clerk uses the optical character reading device (OCR = Optical Char).
Alternatively, the processing number may be input by scanning the data using the (Actual Reader) 5. By doing so, a large number of transaction numbers can be entered at once, so that one person does not have to occupy transaction terminal equipment such as ATM and counter terminal equipment.
【００１６】[0016]
【発明の効果】以上詳細に説明した如く、本発明は、金
融機関に設置した取引端末装置と、該取引端末装置と情
報の送受信を行うホストコンピュータを具備する金融自
動化機器の取引処理方法において、顧客が各自所有する
個別端末装置と前記ホストコンピュータ間で情報の送受
信を行うように予め設定しておき、前記個別端末装置よ
り顧客が取引内容の情報を予めホストコンピュータに送
信すると、該ホストコンピュータが前記取引内容を固有
の処理番号を付加して記憶しさらに前記個別端末装置に
該処理番号を返送し、前記個別端末装置はこの処理番号
を出力し、その後、前記処理番号を金融機関に設置した
前記取引端末装置を介してホストコンピュータに送信す
ると、前記ホストコンピュータが前記処理番号に対応す
る取引内容を取り出し、この内容に従って取引を実行す
るので、取引内容の入力を別途に行い、金融機関におけ
る取引時間より取引内容の入力にかかる時間を削除する
ことができる。As described in detail above, the present invention provides a transaction processing method for a financial automation device comprising a transaction terminal device installed in a financial institution and a host computer for transmitting and receiving information to and from the transaction terminal device. When the customer sets in advance such that information is transmitted and received between the individual terminal device owned by each customer and the host computer, and the customer transmits information of transaction contents from the individual terminal device to the host computer in advance, the host computer The transaction content is added with a unique processing number and stored, and the processing number is returned to the individual terminal device. The individual terminal device outputs the processing number, and then the processing number is installed in a financial institution. When sent to the host computer via the transaction terminal device, the host computer retrieves the transaction content corresponding to the processing number. And, because you run the transaction in accordance with the content, separately perform the input of the transaction content, it is possible to remove the time it takes to the input of the transaction contents from dealings time in financial institutions.
【００１７】これにより、金融機関における取引内容の
入力時間を短縮することが可能となり、取引時間を短縮
し、顧客の待ち時間の短縮及び金融自動化機器の運用効
率が向上するという効果がある。As a result, it is possible to shorten the time required for inputting transaction details at a financial institution, shorten the transaction time, shorten the waiting time for customers, and improve the operational efficiency of financial automation equipment.
【図１】本発明の第１の実施例を示すブロック図であ
る。FIG. 1 is a block diagram showing a first embodiment of the present invention.
【図２】本発明の第２の実施例を示すブロック図であ
る。FIG. 2 is a block diagram showing a second embodiment of the present invention.
１ ホストコンピュータ ２ ＡＴＭ ３ 個別端末装置 ４ 窓口端末装置 ５ ＯＣＴ 1 Host computer 2 ATM 3 Individual terminal device 4 Counter terminal device 5 OCT
Claims (1)
取引端末装置と情報の送受信を行うホストコンピュータ
を具備する金融自動化機器の取引処理方法において、 顧客が各自所有する個別端末装置と前記ホストコンピュ
ータ間で情報の送受信を行うように予め設定しておき、 前記個別端末装置より顧客が取引内容の情報を予めホス
トコンピュータに送信すると、 該ホストコンピュータが前記取引内容を固有の処理番号
を付加して記憶しさらに前記個別端末装置に該処理番号
を返送し、 前記個別端末装置はこの処理番号を出力し、 その後、前記処理番号を金融機関に設置した前記取引端
末装置を介してホストコンピュータに送信すると、前記
ホストコンピュータが前記処理番号に対応する取引内容
を取り出し、この内容に従って取引を実行することを特
徴とする金融自動化機器の取引処理方法。1. A transaction processing method for a financial automation device comprising a transaction terminal device installed in a financial institution and a host computer for transmitting and receiving information to and from the transaction terminal device, wherein an individual terminal device owned by each customer and the host. It is set in advance so that information can be transmitted and received between computers, and when a customer sends information on transaction details from the individual terminal device to a host computer in advance, the host computer adds the transaction number to the transaction content. The processing number is stored in memory and returned to the individual terminal device, the individual terminal device outputs the processing number, and then the processing number is transmitted to the host computer via the transaction terminal device installed in the financial institution. Then, the host computer retrieves the transaction content corresponding to the processing number and executes the transaction in accordance with this content. Transaction processing method of financial automation equipment characterized by Rukoto.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP11458695A JPH08315215A (en) | 1995-05-12 | 1995-05-12 | Transaction processing method for financial automation equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP11458695A JPH08315215A (en) | 1995-05-12 | 1995-05-12 | Transaction processing method for financial automation equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH08315215A true JPH08315215A (en) | 1996-11-29 |
Family
ID=14641568
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP11458695A Pending JPH08315215A (en) | 1995-05-12 | 1995-05-12 | Transaction processing method for financial automation equipment |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH08315215A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2007087007A (en) * | 2005-09-21 | 2007-04-05 | Oki Electric Ind Co Ltd | Automatic transaction system, automatic transaction device, information management server, and method of automatic transaction |
-
1995
- 1995-05-12 JP JP11458695A patent/JPH08315215A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2007087007A (en) * | 2005-09-21 | 2007-04-05 | Oki Electric Ind Co Ltd | Automatic transaction system, automatic transaction device, information management server, and method of automatic transaction |
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