JPS588377A - Transaction processor - Google Patents

Abstract

PURPOSE:To improve the efficiency of window jobs at banks, by performing A series of office works with a pre-processing by personnel in charge and a post- processing by a customer, subjecting the pre-processing and post-processing to process in parallel. CONSTITUTION:A transaction processor is provided with a pre-processor a operated by a personnel in charge and a plurality of post-processors B1 and B2 operated with customers, various data are inputted with the keyboard 7 of the device A by the operation of the personnel in charge and displayed on a CRT display device 5 with the control of a CPU1 and data in a bank book is read with a bank book reader 8. When the input is finished in this device A, the transaction data is transmitted to the handling center to receive a telegraphic message to the data and to discriminate the effectiveness. The result of discrimination is inputted to a CPU10 not under processeing of the devices B1 and B2 and the device B1 or B2 is displayed on the device 5. According to the operation of the customers at the processors B1 and B2, the post-procesing is made, resulting in improving the efficiency of window job.

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to a transaction processing device for processing transactions such as cash deposits and cash payments at counters of financial businesses such as banks.

As is well known, with the aim of simplifying bank counter operations,
Automatic teller machines, automatic teller machines, and automatic teller machines that can automatically perform banking transactions such as depositing and paying cash using passbooks or cards that magnetically record personal codes and account numbers. Hokin automatic teller machines and the like are widely put into practical use.

These automatic transaction processing devices perform simplified and standardized transactions such as reading and verifying bankbooks and cards, determining the authenticity and type of banknotes, storing or discharging counted banknotes, and printing on bankbooks. This type of automated equipment does not automatically handle all transaction processing involving actual amounts. In other words, bank staff must handle stamp verification, check inspection and stamping, and equipment-based identification of banknotes that cannot be automatically distinguished.

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 the beginning to the end, such as cash payment, receipt of passbooks and withdrawals, seal verification, counting and recording of banknotes, banknotes, etc. A series of administrative procedures such as handing over bankbooks and handing over of bankbooks were all carried out by staff members. As a result, the processing time required by the clerk to process transactions becomes extremely long, and this is 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 provide pre-processing that truly must be performed by a clerk in a series of administrative processes for transactions that require the intervention of a clerk. Only the staff member is the first step on the staff side! It is possible to perform simple and uniform post-processing by the customer's post-processing equipment, and it is possible to leave the post-processing to the customer's own operations while operating the M equipment. , Pre-processing by staff operations allows transactions of multiple customers to proceed one after another, and processing by staff] I! An object of the present invention is to provide a transaction processing device that can significantly improve efficiency. Another object of the present invention is to provide a plurality of post-processing devices so that the post-processing operations performed by the customer can be performed one after another by the plurality of devices, thereby improving post-processing efficiency.

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 consists of a pre-processing unit-A which is operated mainly by an employee inside a bank counter and performs pre-processing, and a post-processing unit FB which is mainly operated by a customer outside the counter and performs post-processing. Broadly classified. The post-processing device B, as shown in 81.82,
In this embodiment, two units are provided.

In the preprocessor 11 device A, CPLll, ROM2, and R
AM3 is the control center and C is the display device for staff.
A printer 6 that prints the RT table, the display 5, slips for the bank's copy, a keyboard 7 for making various inputs by the staff, and the data recorded on the magnetic stripe section of the passbook. A bankbook reader 8 that reads banknotes (this is referred to as bankbook data) and a banknote reader 9 that determines and counts banknotes are centrally controlled by the CP/U1.

It should be noted that all of these devices are not built into the same device housing, but are divided into multiple device housings in order to be arranged in two locations so that they can be easily operated by staff.

In the follow-up device B, the CPUIO, ROM 11, and RAM 12 are the control center, and the transmission control value w4 for transmitting and receiving data with the center that manages transaction data, and the above-mentioned bankbook data reading/writing device. and a passbook processing device 13 including a passbook printing machine, a banknote ejecting device 14, a guide display device f15, and a card reader 16 that reads the magnetically recorded data of the card issued as a pair with the passbook.
, a slip issuing machine 17 that prints and issues slips for customers, and an internal panel control device 18 that is equipped with a date setter, various operation indicators, etc., are centrally controlled by the CPU10. Ru. Note that the transmission control value s! 4 is used by two post-processing devices B1 and 82.

FIG. 2 is a schematic plan view showing an example of the arrangement of the above-mentioned devices at a bank counter, in which reference numeral 19 is a counter, T indicates an attendant inside the counter 19,
CO, C1, and 02 each indicate a plurality of customers outside the counter 19. Further, the CPU'10 in each of the post-processing devices 81, 82 and the CPU 1 in the pre-processing device A are connected to each other so that predetermined data can be exchanged, as will be described later.

Next, the processing operation of the CPU 1 of the pre-processing device A and the processing operation of the CPU O in the post-processing device B will be explained.

FIGS. 3A and 3B show the processing program (RO
Figure 3A shows the keyboard 7 and passbook reader 8.
FIG. 3B is a routine for communicating with the post-processing device B1. Also shown in Figure 4 is C.
There is a memory map module of RAM3 related to the processing operation of PU1. The explanation will be given below in sequence according to these figures.

The processing routines shown in FIGS. 3A and 3B are executed in parallel by, for example, means such as an interrupt.

First, the first step 301 in FIG. 3A is to process transaction data about a certain customer inputted by an attendant by operating the keyboard 7, bankbook reader 82, and banknote reader 9, and
In addition to storing the transaction data in M3, it sequentially displays input transaction messages on the CRT display device 1!5, and controls the printer 6 to print predetermined data in the transaction data on a 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 in 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 receipt into the passbook reader 8. In Preprocessing Renso@A, the passbook reader 8 reads the passbook data (account number) recorded on the magnetic stripe section of the passbook.

The bankbook data (printing date, balance amount) is read, and the bankbook data is stored in area MA in the preprocessing area M2 of the RAM 3 shown in FIG. 4, and is displayed on the CRT display w5. 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. Pretreatment combination H
In A, automatically counted banknote reading data is stored in RAM.
The banknote reading data is stored in the area Me in the pre-processing area MZ of No. 3, displayed on the CRTR 7 display device, and further printed out by the printer 6. For 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. Pretreatment device FA
, if the key manual data is stored in the area MO in the preprocessing area M2 of RAM3, then C
It is displayed on the R1 display device 15. Thereafter, the staff member confirms on the CRT display WI5 that the predetermined input operation has been completed, and presses 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 the preprocessing II device fA, the inputted withdrawal amount is stored in the area MfC in the preprocessing area MZ of the RAM 3 and is displayed on the CRT display 115. After this, the clerk presses the payment machine key on the keyboard 7. The above is the specific content of step 30-9'-1.

When inputting the transaction data is completed, the process proceeds to step 302, in which it is determined whether the ready flag FR1 is set. This ready flag FR1 is, as described later,
This is a flag indicating whether or not the post-processing device 81 is ready to handle transaction data regarding a new customer.
1 indicates that the post-processing device wB1 is capable of processing. If the ready flag FR1 has been reset, the process advances to step 303, where it is determined whether the ready flag FR2 has been set. Lady Flag FR2
Similar to FR1, is a flag indicating whether or not the post-processing device B2 is capable of processing.

If this ready flag FR2 is also reset, that is, after-processing device B1. B2 is the previous transaction data,
If the
Repeat to check FRl and FR2, and then check Il!
Any of the devices 81, 82 will have one available for processing. If the ready flag FRI is set (1), proceed to step 3010-4, move the transaction data stored in the post-processing area MZ to the 81 factory M1, and proceed to the next step 305.
Set the start flag FSI with .

Further, in step 303, the ready flag FR2 is transferred to the cellar, and in step 307, the start flag FS2 is set. After executing step 305 or 307, the process returns to the first step 301, and a state becomes available for receiving transaction data regarding a new customer.

Start flag FS2. When FS2 is set, an inter-78 routine with post-processing devices 81, 82, described below, is activated.

FIG. 3B shows an interface routine with post-processing device B1. The interface routine with the post-processing device B2 is the same as that shown in FIG. 3B, and FRI in FIG. 3B is set to FR2, FS1 to FS2. Ml is M2! It has been replaced.

Back hair II! To explain the interface routine with device B1, first, in step 310, a ready flag FRI is set, and in the next step 311, a start flag FS is set. When the start flag FS1 is set at step 305 in FIG. 3A described above, a YES determination is made at step 311, and the process proceeds to step 312. In step 312, both the ready flag FBI and start flag FSI are reset.

In the next step 313, the transaction data stored in 197M1 for B1 (MAl, MBl, MCI >! Post-processing device w
Transfer to B1. Among the processing routines of post-processing @1lB1 shown in FIG.
1, MC1) 1tllt6/l, -chin.

In FIG. 5, when the post-processing device B1 receives the transaction data in step 501, it proceeds to step 502, edits the transaction data, and sends it to the center via the transmission control@stomach 4. Then, in step 503, a response from the center is received, and the first message transmitted from the center corresponding to the transaction data is received. In this first message,
It includes the result of determining the validity of the transaction data, including a notification of whether the transaction is rejected or permitted. For example, a transaction will be rejected if the account number to be used does not exist, or if there is a payment request, the amount requested exceeds the balance. included in the message.

When post-processing @MB1 receives the first message, it performs step 5.
At 04, the first message is transferred to the preprocessing link @.

In FIG. 3B, the pre-processing device A receives the first message transferred from the post-processing device B1 by executing step 314. In the next step 315,
CR the above first message transferred from post-processing device B1
It is displayed on the T display device 5. At the same time, this station, Tsubu 315
In this case, if the above-mentioned determination result included in the first message indicates that the transaction is permitted, the CRT display scissors device displays a message to guide the customer to the post-processing device 1BI side.

In addition, if the transaction is refused, the reason for the refusal is CR13- ■Display on display device °5.

The clerk sees the above display in step 315, returns the bankbook to the customer, and guides the customer to the next action. For example, in the case of transaction permission, post-processing of the bales is carried out by the post-processing device B1.
Guide and guide customers to do it themselves.

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 addition, in Figure 3B, if the transaction is rejected, step 3
The process proceeds from step 16 to step 318, and waits for an invalid input to be made using the keyboard 7. When the invalid input is made, the process returns to the first steps 3 and 10.

In addition, in the case of transaction permission, steps 316 to 31
The process advances to step 7, and a processing end notification is received from the post-processing device B1. This processing completion notification is, as described later,
This notification is given when the customer completes the post-processing of the transaction data in the post-processing device B1.

Further, in FIG. 5, in the post-processing device B1, step 5
After the first message is transferred to the preprocessing device A in step 04, it is determined in step 505 whether the first message indicates transaction permission or transaction rejection. The process returns to step 501. If the transaction is permitted, the process proceeds to step 506, where the bankbook is inserted into the bankbook processing device 113 in the post-processing device B1. When the passbook is inserted into the passbook processing device 113, the process proceeds to step 507, where the passbook is received and the passbook data is read. In the next step 508, the read passbook data is compared with the transaction data received from the preprocessing device A in the first step 501, and the
Determine whether the account numbers match. Data match ℃
If not, the process proceeds to step 509, the bankbook is ejected, and the process returns to step 506. Also, if the data match,
The routine related to the passbook processing device 113 after step 510 and the banknote discharging device after step 517! 14 are executed in parallel.

In step 510, a request is made to the center for a subsequent message following the first message, and the request is received.

In the next step 511, it is determined whether the subsequent message is bookkeeping data. If it is bookkeeping data, the process proceeds to step 512, where the bankbook stamping machine in the bankbook processing device 13 is driven to print the bookkeeping data on the bankbook. In addition, when the receiver detects in step 513 that the received message is new passbook data to be recorded in the magnetic stripe section, the process proceeds to step 514, and the passbook data in the magnetic stripe section is updated based on that data. do. Further, the receiver determines in step 515 whether or not the received message is the final message, and if it is not the final message, the process proceeds to step 510 to request and receive the subsequent message.

If the received message is the final message, step 51
Proceed from 5 to 516 and eject the passbook.

In step 517, the receiver determines whether the transaction data received in step 501 is related to a withdrawal transaction. If it is a withdrawal transaction, the process proceeds to step 518, and Bill ejection machine 14 based on the amount
to eject a predetermined amount of banknotes.

When the routines related to the passbook processing device 213 and bill discharging @M14 are completed, the process proceeds to step 519, and the preprocessor 11@@A is notified of the end of the process. Then, the process returns to the first step 501.

Note that the above explanation applies to pre-processing device A and one post-processing device B.
Although the processing operation according to 1 was explained, the preprocessing device F
Exactly the same operation is performed by A and the other post-processing device 8 even in the dark.

Therefore, the clerk accepts the transaction applied for from II ¥8, and the transaction data accepted by the clerk using the input device on the preprocessing device A side is sent to the center, and the electronic message corresponding to the transaction data is sent to the center. Sent from the center. and,
Post-processing based on the transaction data and the message is carried out by two post-processing devices 81. This can be done in any of the post-processing devices B2 that is not currently processing, and the staff member sees the display on the CRT display 5 and selects the advantage 1! The customer can be guided to either @11B1 or the post-processing device 1B2 and have the customer perform the post-processing themselves.

In addition, in the present invention, the back hair ll! Of course, the number of post-processing devices 17- is not limited to two, and three or more post-processing devices 17- may be provided. Furthermore, if the customer himself or herself is allowed to insert a bankbook or banknote into the bankbook reader 8 and banknote reader 9 on the preprocessing device A side, the operations required by the staff member will be further reduced.

As described in detail above, the transaction processing device according to the present invention includes a transaction data input device that is mainly operated by an employee, including a passbook reader and a keyboard, and a display for the employee that displays the contents of entries made by this input device. It receives the transaction data that has been inputted by the input device and transmits the transaction data to the center, and also receives the message sent back from the center in response, and sends the message to the center. Communication control means for communicating with the center for displaying the determination result of the validity of the included transaction data on the staff display device, a passbook processing device including a passbook reading/writing device and a passbook printing machine, a banknote discharging device, and a guide display device. Regarding the above-mentioned transaction data processed by the communication control means of the above-mentioned center and the above-mentioned transaction data processed by the plurality of post-processing devices operated by the customer, etc., and the communication control means of the above-mentioned center. The apparatus is provided with a post-processing allocation control means for causing the processing to be performed by one of the devices that is not currently processing, and for displaying on the staff display device which post-processing@study is to be processed. Therefore, only the pre-processing that really requires an attendant is performed by the staff while operating the pre-processing device, and the customer can perform the simple and uniform post-processing that can be left to the customer's control. Moreover, I follow you! Since there are multiple devices, even if post-processing by customer operations is slow, pre-processing by staff operations can proceed one after another for multiple customer transactions. As a result, it is possible to perform very flexible processing with the assistance of staff members, and it is possible to significantly improve the efficiency of kiln operations at banks and the like.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of an umbrella body 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., and FIG. 3/V. FIG. 3B is a flow chart showing the configuration of the program executed by the CPU on the side of the preprocessing unit m1fA, and FIG. 4 is a diagram showing the memory configuration of the RAM on the side of the preprocessing unit 1fA.
Figure 5 is follow-up 1! 11 is a flowchart showing the configuration of a program executed by the CPU on the FB side. A... Pretreatment @ Stomach B1. B2...Post-processing device 1...'...CPU 4...Transmission control device 7...Keyboard 8...Passbook reader 10... ... CPU 13 ... Passbook processing device 14 ... Banknote ejection device Patent applicant Tateishi Electric Co., Ltd.

Claims (1)

[Claims] (1) A transaction data input device including a passbook reader and a keyboard, which is mainly operated by the clerk, a display device for the clerk to display the contents input by the input device, and a transaction data input device that displays the transaction data inputted by the above-mentioned input@place. The person in charge receives the transaction data, sends the transaction data to the center, receives a message sent back from the center in response, and sends the above-mentioned staff member a checkbox for determining the validity of the transaction data included in the message. The center and '
communication control means, a passbook processing device including a passbook reading/writing device and a passbook printing machine, a banknote discharging device, a guide display *W, etc., and a plurality of post-processing devices operated by the customer, and the above-mentioned center. The above transaction data and the above message that have been processed by the communication control means with the communication control means are to be processed by one of the above multiple post-processing devices that is not currently being processed, and which follow-up* device is to be used for processing. and post-processing allocation control means for displaying on the clerk's display wheel 1.