JP2002007729A - Device and method for information processing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problems conventionally that the number of bankbooks to be issued is increased and that the increase, etc., in customer's waiting time takes place due to increase in booking time if a large amount of the specifications of unbooked transactions are written down in a bankbook, because a bank account card is used at storefronts other than those of financial institutions, the increase in transactions that immediately conduct deduction from a bank account is anticipated and generation of a large amount of specifications of unbooked transactions are anticipated. SOLUTION: A booking data generating part 32 generates booking data from specifications, related to off-bankbook transactions recorded on an unbooked specifications recording part 51 time sequentially, when an on- bankbook transaction is performed. However, the part 32 generates at least the number of continuous specifications and the total sum of transaction amounts as booking data, when specifications about a designated type of transactions continue.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information processing apparatus and method, and more particularly, to an information processing apparatus and method for compressing similar transactions and writing the same in a passbook such as a bankbook.

[0002]

2. Description of the Related Art Deposit, withdrawal, and transfer of money to a deposit account are performed using a deposit account card, such as a CD (cash dispenser) or an ATM (Automated Dispenser) installed in a bank or a street.
maticTellers Machine). On this occasion,
There is no need to have a bankbook. Various processes performed without using the passbook are stored as unregistered transaction details. Then, when a deposit / withdrawal or bookkeeping using a bankbook, that is, a so-called “through transaction” is performed, the stored details are written in the bankbook.

[0003] When such a through transaction is not performed for a long period of time, the details of unregistered transactions become large, and if all the details are entered, the details of the bankbook may become insufficient. Therefore, a period based on a certain standard (for example, six months) is set, and if no common transactions are performed during that period, the total amount of deposits and withdrawals of unregistered transactions in that period is totaled (collectively consolidated). Then, when a through transaction is performed, a so-called compressed bookkeeping is performed in which the totalized amount is entered without entering individual details.

[0004] At this time, the details of the unregistered transactions that are not included in the period of the collective aggregation, in other words, after the collective aggregation, are entered together with the amounts of the collective aggregation.

[0005]

In the future, it is expected that the number of transactions in which a bank account is used at a store other than a financial institution to immediately debit the bank account will be increased. Since this transaction is a transaction that does not use a passbook, it is expected that a large amount of unregistered transactions will be generated between the time of collective aggregation and the time of the next collective aggregation.

[0006] If the details of such unbooked transactions are entered in the bankbook without being consolidated, the number of bankbooks issued will increase significantly, and the customer's waiting time will increase due to an increase in the bookkeeping time. Conceivable. Although it is conceivable to shorten the period of the batch aggregation, it is conceivable that a large number of people and a large amount of bookkeeping processing, which collectively collects the details of unregistered transactions, occur frequently, increasing the load on the bank account system and This can cause problems that can delay or slow down business operations.

[0007] The present invention has been made to solve the above-described problem, and has as its object to efficiently process the details of an unbooked transaction.

[0008]

The present invention has the following configuration as one means for achieving the above object.

[0009] An information processing apparatus according to the present invention comprises a recording means for recording, in a memory, the details of a transaction performed without using a passbook in a time series, and when the transaction using the passbook is performed, the recording means records the details in the memory. When the bookkeeping data is generated from the detailed statement, when there are continuous statements related to a specified type of transaction, the data processing apparatus further includes a generation unit that generates at least the total number of transactions and the total transaction amount as the bookkeeping data. And

[0010] The information processing method according to the present invention is characterized in that details relating to transactions performed without using a passbook are recorded in a memory in chronological order, and when a transaction using a passbook is performed, the details recorded in the memory are used. In the case where the bookkeeping data is generated, in the case where the statements related to a specified type of transaction are continuous, at least the total number of the continuous statements and the total transaction amount are generated as the bookkeeping data.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing apparatus according to one embodiment of the present invention will be described in detail with reference to the drawings.

[Structure of Apparatus] FIG. 1 is a block diagram showing an example in which the information processing apparatus of the embodiment is constituted in a financial institution.

An automatic depositing and withdrawing machine such as an ATM shown by reference numeral 1,
Transaction information such as deposit, withdrawal, and transfer to a deposit account required from a terminal for settlement with a store deposit account card (hereinafter referred to as “D card settlement”) is stored in the communication control device 2 and the communication control unit 31. Is input to the central processing unit 3 via the. Then, the transaction information computerized by the central processing unit 3 is stored in an ordinary deposit master 4 and a transaction detail master 5 provided on a recording medium such as a hard disk.

Detailed transaction data such as date and time, amount, transaction details, store number, account number, etc. relating to each transaction is recorded in the transaction statement master 5 as a transaction statement for each transaction. Further, in the present embodiment, a transaction statement relating to a so-called “discontinuous transaction” that does not use a passbook among individual transactions is:
It is recorded in the unrecorded statement recording section 51 in the transaction statement master 5 in chronological order. The unbooked statement recording unit 51 does not need to exist inside the transaction statement master 5, and may exist on another recording medium that is physically different.

When a common transaction such as bookkeeping is performed, a bookkeeping data generation unit 32 provided in the central processing unit 3 extracts information related to the unbooked transaction recorded in the non-bookkeeping detail recording unit 51 and retrieves the information. , Generate the entry data to be entered in the passbook,
Send to ATM 1 etc. By this bookkeeping process, information relating to the non-transactional transaction is booked.

In this bookkeeping process, if there are consecutive non-communicable transactions of the type specified in advance, the contents of the transaction are compressed by the bookkeeping data compression unit 33 into the form described later by the processing described later. The compressed transaction contents (compressed entry data) are sent to the ATM by the entry data generation unit 32.
Sent to 1 etc. and recorded with uncompressed recording data. Note that these bookkeeping processes are performed in the RAM in the central processing unit 3.
This is performed using the memory 34, but a hard disk other than the memory 34 may be used.

[Bookkeeping Process] FIG. 2 is a flowchart showing an example of the bookkeeping process for creating the above-mentioned bookkeeping data, which is executed by the bookkeeping data generation unit 32 when a through transaction is performed. In the following, a transaction using D card payment will be described as an example of the “pre-specified transaction”, but the transaction is not limited to D card payment, and various transactions can be specified.

When the details of the non-transaction transaction are present in the unrecorded statement record unit 51 when the transaction is performed, first, information relating to the D card settlement (the total number of transactions and the transaction amount, and
The area of the memory 34 in which the compression period is recorded is initialized (S1), and the first statement is read from the unrecorded statement record unit 51 (S2). Subsequently, it is determined whether or not the read statement is a D card settlement transaction (hereinafter, referred to as “D transaction”) (S3).

When a statement other than the D card payment is read: If the read statement does not relate to the D transaction, it is determined whether or not the number of compressions is zero (S4). Output the data as bookkeeping data (S
7).

If the number of compressions is not zero, the transaction date when compression of the statement is started (compression start date) and the transaction date when compression is completed (compression end date) are recorded in the memory area (see FIG. 3). Is output as compressed entry data (S5), which indicates the compression period, the number of compressed transactions (the number of compressions), and the total amount of deposits and withdrawals (compressed total amount) in the compressed transactions (S5). Done. Thereafter, the memory area is initialized again (S6), and the read details are output as bookkeeping data (S7).

When the details of the D card settlement are read: If the read details relate to the D transaction, the transaction date of the statement is recorded in the “compression end date” of the memory area, and the “number of compressions” is set. If it is zero, the transaction date is also recorded in the “compression start date”. In addition, 1
And the transaction amount of the statement is added to the “total amount of compression” (S8), and the compression process is performed.

As shown in FIG. 3, the compression process is performed for each of the dispensing transaction and the receiving transaction, and the compressed entry data is also generated for each of the dispensing transaction and the receiving transaction.

At the time of reading the next statement, if the data of the unrecorded statement record section 51 is an end-of-file (EOF) (S9), it is determined whether or not the number of compressions is zero (S10). If it is not zero, compression entry processing is performed (S11). If the data of the unrecorded statement recording unit 51 is not EOF, the process returns to step S2, and the above-described series of processes is repeated.

[Form of Compressed Book] FIG. 6 is a diagram for explaining the form of a compressed book.

It is assumed that the transaction D, the non-payment transaction, the non-payment transaction, and the non-payment transfer transaction are recorded in the unbooked statement recording section 51 in the order shown in FIG. The first six D transactions are combined into one by compression processing, and are recorded in the passbook 65 as compressed entry data 62, for example, "6 withdrawals \ XX, XXX compression period".

The subsequent non-withdrawal transaction is the same as the two D
The transaction is recorded as compressed entry data 63, the non-payment transaction is recorded as it is, the three D transactions are recorded as compressed entry data 64, and the non-transfer transaction is recorded as it is in passbook 65.

Although the record of the compression period is not shown in FIG. 6, the compression period is recorded with the transaction date of D transaction 1 as the start date and the transaction date of D transaction 6 as the end date. In addition, for transactions other than the D transaction, FIG. 6 does not show the record of the transaction date, the transfer destination, and the like, but such information is naturally recorded.

As described above, if all the transactions recorded in the unrecorded statement recording section 51 are recorded, 14 statements are recorded in the passbook 65 in the example of FIG. Thus, in the example of FIG. 6, only six details need to be recorded.

Of course, if a plurality of D transactions are not consecutive, only one case will be recorded. However, if the continuous D transactions are compressed and recorded, if the continuity of the transaction details is ensured, it will be recorded at a later date. This is because transaction contents can be easily confirmed.

FIG. 4 is a view for explaining the logical structure of information recorded in the unrecorded statement recording unit 51.

In this embodiment, the unrecorded statement recording unit
51, a data record is allocated to each non-communication transaction, and each record records the transaction date and time, transaction content, transaction amount, compression classification, identification information, transaction store number, account number, and the like.

The record for each non-transactional transaction is retained in the unregistered statement record unit 51 for a predetermined period of time even after the above-described compression entry processing is performed, in order to enable the identification of the compression content. Therefore, in the present embodiment, it is possible to record a compression category indicating whether or not a compression entry process has been performed, and identification information for identifying which compression entry portion corresponds to the compression entry process when the compression entry process is performed. It is.

FIG. 5 is a diagram showing a record of the compressed book data recording unit 52, and FIG. 7 is a diagram showing a mechanism for associating the record of the compressed book data recording unit 52 shown in FIG. 5 with the details of the compressed book. .

When the compression processing is performed, identification information is assigned to each item to be compressed, and the compression period, the number of compressions, the total amount of compression, and the like are recorded in the compression entry data recording unit 52 along with the identification information. . Then, the identification information is recorded in the record to be compressed in the unrecorded statement recording unit 51.

By performing such recording, if a request for knowing the details of the compressed and recorded details arises in the future, the correspondence between the compressed and recorded parts and the records (details) of the unrecorded details recording unit 51 And search is easy and convenient.

[0036]

As described above, according to the present invention,
The details of the unbooked transaction can be processed efficiently.

[Brief description of the drawings]

FIG. 1 is an exemplary block diagram illustrating an example in which an information processing apparatus according to an embodiment is configured in a financial institution;

FIG. 2 is a flowchart showing an example of bookkeeping processing for creating bookkeeping data;

FIG. 3 is a view for explaining compressed bookkeeping data stored in a memory;

FIG. 4 is a diagram illustrating a logical structure of information recorded in an unbooked statement recording unit;

FIG. 5 is a diagram showing a record of a compressed entry data recording unit;

FIG. 6 is a view for explaining a form of a compressed entry book;

FIG. 7 is a diagram showing a mechanism for associating a record of a compressed entry data recording unit with a compressed entry.

Claims (7)

[Claims] 1. A recording means for recording, in chronological order, details relating to a transaction performed without using a passbook, and when a transaction using a passbook is performed, generating entry data from the details recorded in the memory. , If there is a continuous statement of the specified type of transaction,
An information processing apparatus, comprising: a generation unit configured to generate a total of the number of continuous statements and the total transaction amount as the bookkeeping data. 2. The information processing apparatus according to claim 1, further comprising a bookkeeping unit that records the bookkeeping data generated by said generation unit in a passbook in the order of generation. 3. The designated type of transaction includes a type of transaction in which a bank account card is used by a non-financial institution to debit the account.
Alternatively, the information processing device according to claim 2. 4. The method according to claim 1, wherein the recording unit records information indicating that the bookkeeping data is generated by the generation unit as a total for each of the specifications recorded in the memory. 4. The information processing device according to claim 1, wherein: 5. The recording device according to claim 1, wherein the recording device records, in the memory, data indicating a correspondence between the entry data generated as a total by the generation device and a specification recorded in the memory. 5. The information processing device according to claim 1, wherein: 6. A transaction related to a transaction performed without using a passbook is recorded in a memory in chronological order. When a transaction using a passbook is performed, bookkeeping data is generated from the description recorded in the memory. , If the statement for the specified type of transaction is continuous, at least,
An information processing method characterized by generating a total of the number of successive details and the transaction amount as the bookkeeping data. 7. A storage medium in which a program code for information processing is stored, wherein the program code includes at least a code for a step of recording, in a time-series, details relating to a transaction performed without using a passbook in a memory; When a transaction using a passbook is performed, when generating the bookkeeping data from the details recorded in the memory, if the details related to the specified type of transaction are continuous, at least,
A code for a step of generating the total number of transactions and the total transaction amount as the bookkeeping data.