JPH04199363A - Automatic cash transaction system in financial institution on-line system - Google Patents

Abstract

PURPOSE:To shorten response time in automatic cash transaction processing by executing communication processing between a terminal and a host computer in parallel during the input of transaction information by a customer. CONSTITUTION:An account information input means 11 in the terminal 1 reads in account information from an account information storage medium, and transmits it to the host computer 2, and a collation information transmitting means 21 refers to a ledger file, and transmits collation information to the terminal 1. Then, a terminal side transaction processing means 12 executes transaction processing at the terminal 1, and a transaction record output means 13 writes in transaction record information reflecting the transaction processing in a transaction record file 15, and transmits a transaction processing request telegram to the host computer 2, and a host side transaction processing means 22 executes the transaction processing at the host computer 2, and transmits a transaction processing completion telegram to the terminal 1. Thus, the response time after the customer pushes a final key till cash or details, etc., are outputted can be shortened.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention relates to a financial institution online system, and in particular to an automatic cash transaction device (CD (Cash Dispenser)).
), ATM (Automatic Tel ler M
achine) etc. The present invention relates to an automatic cash transaction method in a financial institution online system that uses a terminal (hereinafter referred to as a terminal) to perform automatic cash transaction processing (automatic deposit and withdrawal processing related to deposit operations at financial institutions such as banks).

[Conventional technology]

Conventionally, the following processing has been performed in automatic cash transaction methods in this type of financial institution online system.

The customer inserts an account information storage medium such as a cash card or passbook into the terminal, then selects the transaction type (type of transaction content such as deposit or withdrawal), enters the transaction amount, and finally clicks the confirmation button etc. Press the final key.

After the final key is pressed by the customer, the terminal transmits a transaction processing request message to the host computer.

Upon receiving the transaction processing request message, the host computer mainly performs the following transaction processing.

■ Editing the received transaction processing request message (analysis and changing the data format to suit the processing within the host computer, etc.) ■ Main transaction processing (checking the PIN number and transaction type, calculations related to deposits and withdrawals, etc.) ■ Updating the ledger file ■ Collecting transaction records ■ Collecting statistical information, etc. ■ Creating a transaction processing completion message to be sent to the terminal ■ Sending the transaction processing completion message to the terminal After the terminal receives the transaction processing completion message above, Based on the message, the customer performs a withdrawal process, a statement output process (if the inserted account information storage medium is a passbook, a passbook entry process), etc.

[Problem B to be solved by the invention] In the above-mentioned automatic cash transaction system in the conventional financial institution online system, the above-mentioned series of processes are performed in sequence, and only then can withdrawal processing, statement output processing, etc. So,
There is a drawback that the response time from when the customer presses the final key until the cash, details, etc. are output is long. That is, this response time is approximately the value shown below (excluding the waiting time of each device such as line waiting time), and always includes the round-trip message transmission time between the terminal and the host computer.

Response time # Message transmission time between terminal and host computer + transaction processing time on host computer side → - host computer
Terminal-to-terminal message transmission time In view of the above points, the object of the present invention is to
An object of the present invention is to provide an automatic cash transaction system in a financial institution online system that can shorten the response time in automatic cash transaction processing in the financial institution online system.

[Means to solve the problem]

The automatic cash transaction method in the financial institution online system of the present invention includes an account information input means in a terminal that reads account information from an account information storage medium and sends it to a host computer, and a ledger based on the account information from this account information input means. A verification information transmitting means in the host computer that refers to a file and transmits verification information to the terminal, and a verification information transmitting means in the terminal that performs transaction processing at the terminal using transaction information input by the customer and verification information from the verification information transmitting means. The terminal side transaction processing means writes transaction record information reflecting the transaction processing by this terminal side transaction processing means into the transaction record file, sends a transaction processing request message to the host computer, and reflects the transaction processing completion message from the host computer. A transaction record output means in the terminal that updates the transaction record information, and a transaction processing in the host computer based on the transaction processing request message from the transaction record output means, and after the processing is completed, a transaction processing completion message is sent to the terminal. and host-side transaction processing means within the host computer.

[Operation] In the automatic cash transaction method in the financial institution online system of the present invention, the account information input means in the terminal reads account information from the account information storage medium and transmits it to the host computer, and the verification information transmission means in the host computer inputs the account information. Based on the account information from the information input means, the ledger file is referred to and verification information is sent to the terminal, and the terminal-side transaction processing means in the terminal uses the transaction information input by the customer and the verification information from the verification information transmission means. The transaction record output means in the terminal writes transaction record information that reflects the transaction processing by the terminal side transaction processing means to the transaction record file, and sends a transaction processing request message to the host computer, and the transaction record output means in the terminal writes transaction record information that reflects the transaction processing by the terminal side transaction processing means and sends a transaction processing request message to the host computer. The transaction record information is updated to reflect the transaction processing completion message, and the host-side transaction processing means in the host computer performs transaction processing in the host computer based on the transaction processing request message from the transaction record output means, and the processing is completed. Later, a transaction processing completion message is sent to the terminal.

〔Example〕

Next, the present invention will be explained in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of an embodiment of an automatic cash transaction system in a financial institution online system according to the present invention. The automatic cash transaction system in the financial institution online system of this embodiment includes a terminal 1 and a host computer 2.

The terminal 1 includes an account information input means 11 that reads account information (account number, etc.) from an account information storage medium and sends it to the host computer 2, and transaction information (PIN, transaction information such as deposits and withdrawals) entered manually by the customer. transaction type, transaction amount, etc.) and verification information obtained from the host computer 2 (PIN number and ledger balance) to determine whether transaction processing is possible at the terminal 1 without going through transaction processing at the host computer 2. If possible, the terminal-side transaction processing means 12 immediately performs transaction processing (output of cash and details to the customer, etc.) at the terminal 1, and the transaction record information 150 reflecting the transaction processing by the terminal-side transaction processing means 12 is recorded as a transaction record. File 1
5, the transaction record output means 13 sends a transaction processing request message to the host computer 2 and updates the transaction record information 150 by reflecting the transaction processing completion message from the host computer 2; A terminal memory 14 that stores verification information, and a transaction record file 1 that stores transaction record information 150 for each transaction.
5.

Each transaction record information 150 in the transaction record file 15 indicates a transaction number for identifying the transaction, the account number of the customer related to the transaction, and whether the transaction processing at the terminal 1 related to the transaction has been completed. The #A unprocessed flag 151 (indicates that it has been completed by turning on) and the #A unprocessed flag 151 which indicates whether or not the transaction processing in the host computer 2 related to the transaction has been completed (turning on indicates that it has been completed). ) host processing flag 152.

The host computer 2 includes a verification information transmitting means 21 that refers to the ledger file 23 based on the account information from the terminal 1 and transmits verification information to the terminal 1, and a verification information transmitting means 21 that refers to the ledger file 23 based on the account information from the terminal 1 and transmits verification information to the terminal 1. After processing the transaction, send the transaction completion message to terminal 1.
The system includes a host-side transaction processing means 22 for transmitting data to a client, a ledger file 23 for storing ledger balances of customers, and a file group 24 for storing transaction records, statistical information, and the like.

FIG. 2 is a flowchart showing the processing of the automatic cash transaction method in the financial institution online system of this embodiment. This process includes an account information input step knob 101, an own bank determination step 102, an account information transmission step 103, a verification information development step 1.4, and a transaction information input step knob 10.
5, PIN check step 106, transaction type check step 07, balance check step 108
, terminal side transaction processing step 109 , transaction record information writing step 110 , transaction processing request message transmission step 11 ], terminal memory clear step 112 , transaction record information update step 113 , collation information transmission step 201 and host computer side transaction processing step 20
It consists of 2.

Next, the operation of the automatic cash transaction method in the financial institution online system of this embodiment configured as described above will be explained (here, a bank is assumed as the financial institution).
.

When the customer inserts an account information storage medium (Kyafunyu card, passbook, etc.), the account information input means 11 in the terminal 1
reads the account information in the account information storage medium (step 101), and determines whether the account information storage medium is for its own bank or for another company based on the account information (step 102).
>, 'If the account information storage medium is for own bank use, the account information input means 11 immediately transmits the account information to the host computer 2 (step 103).

The verification information transmitting means 21 in the host computer 2 transmits verification information (PIN number and ledger balance of the customer who inserted the account information storage medium) from the ledger file 23 to the terminal 1 based on the account information transmitted in step 103. Send(
Step 201).

The account information input means 11 in the terminal 1 develops (stores) the verification information transmitted in step 201 in the terminal memory 14 (step 104).

On the other hand, the terminal-side transaction processing means 12 in the terminal 1 performs the following processing.

In parallel with the processing of steps 101 to 104 (including the communication (telegram transmission) processing between the terminal 1 and the host computer 2), transaction information is input from the customer (step 105).
.

An inspection (PIN check) is performed to see if the PIN in the transaction information input by the customer is the same as the PIN in the verification information from the host computer 2 (verification information in the terminal memory 14) (step 106). ,.

If the test result is not ``1, same,'' then a screen displaying the message ``The password is incorrect'' is output to the customer.

If the test result in step 106 is "same", the transaction details are checked (transaction type check) based on the transaction type in the transaction information (step 107).

If the result of this check is "withdrawal", a check (balance check) is performed to see if the transaction amount in the transaction information exceeds the ledger balance in the collation information (step 10).

If the test result is "Insufficient balance", a screen displaying "Insufficient balance" is output to the customer at that point.

If the test result in step 1.08 is "within balance" or if the test result in step 107 is "deposit" (including "balance inquiry"), transaction processing at terminal 1 (
Necessary processing such as withdrawal processing for customers, detailed output processing, passbook entry processing, and payment processing from customers, etc.)
(Step 109).

The transaction record output means 13 in the terminal 1 outputs a terminal processing flag 151 reflecting the transaction processing by the terminal side transaction processing means 12.
The transaction record information 150 with the host processing flag 152 turned off is written in the transaction record file 15 (Step 110), and the transaction processing at the terminal 1 is completed with the transaction information input by the customer and the host computer 2 A transaction processing request message to which information indicating that the transaction processing has not been completed is sent to the host computer 2 (step 111), and the terminal memory 14 is cleared (step 112).

The host-side transaction processing means 22 in the host computer 2 receives this transaction processing request message and performs the conventional transaction processing (updating the calculation 1 ledger file 23 regarding deposits and withdrawals based on the transaction information transmitted from the terminal 1). record transactions in the file group 24, collect statistical information, etc.), and after completing the processing, send a transaction processing completion message to the terminal 1 (
Step 202).

Upon receiving the transaction processing completion message from the host computer 2, the transaction record output means 13 in the terminal 1 performs step 1.
The transaction record information 1.50 written in the transaction record file 15 in Step 10 is read, the host processing flag 152 in the transaction record information 150 is updated from OFF to ON, and the transaction record information 150 is written again to the transaction record file 15 (Step 13).

If it is determined in step 102 that the account information storage medium is for another bank, the same processing as in the automatic cash transaction system in the conventional online systems of financial institutions is performed. That is, terminal 1 inputs transaction information from a customer and transmits a transaction processing request message containing the transaction information to host computer 2, and host 1-computer 2 performs transaction processing including communication with host computers of other banks. After processing, the transaction processing completion message is returned to the terminal 1, and the terminal 1 outputs cash, details, etc. based on the transaction processing completion message. In this way, by making a distinction between the bank's own bank and other bank's bank, and allowing the bank to process deposits and withdrawals for its own customers in a shorter time than for the customers of other banks, it will differentiate itself from other banks. be able to.

Further, even if the transaction type check in step 107 indicates a processing type other than "deposit" or "withdrawal", the same processing as in the automatic cash transaction system in the conventional financial institution online system is performed.

[Effects of the Invention] As explained above, the present invention can perform communication processing between a terminal and a host computer in parallel while a customer is inputting (keying) transaction information, and can perform communication processing without going through transaction processing in the host computer. By being able to perform transaction processing at the terminal immediately, it is possible to shorten the response time from when the customer presses the final key until cash, details, etc. are output. That is, the response time is approximately the value shown below, and assuming that the processing capacity per customer is approximately equal between the host computer and the terminal, it is possible to achieve a reduction in message transmission time compared to the conventional technology.

Increased response time Transaction processing time on the terminal side Also, if you register a PIN number in the account information storage medium and set a certain limit on the amount to be processed, the transaction processing time on the terminal side can be processed even if there is no communication with the host computer. Automatic cash transaction processing can be performed independently, and even if the host computer system is down, deposits and withdrawals can be processed using only local processing on the terminal side.

In this case, after the host computer recovers, a transaction processing request message to which information indicating that the transaction processing in the host computer has not been completed is automatically transmitted to the host computer.

Furthermore, if the host computer gives transaction processing that has completed at the terminal a lower priority than other transaction processing, the overall throughput of the financial institution's online system can be improved. effective.

[Brief explanation of the drawing]

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention, and FIG. 2 is a block diagram showing the configuration of an embodiment of the present invention. ! l! It is a flow chart showing processing of an automatic cash transaction method in an institution online system. In the figure, 1... terminal, 2... host computer, 11... account information input means, 12... terminal side transaction processing means, 13... transaction record output means, 14 ...Terminal memory, 15..Transaction record file, 21..Verification information transmission means, 22..Host-side transaction processing means, 23..Ledger file, 24..File. Group: 150: Transaction record information; 151: Terminal processing flag; 152: Host processing flag.

Claims (1)

[Scope of Claims] Account information input means in a terminal that reads account information from an account information storage medium and sends it to a host computer, and a terminal that references a ledger file based on the account information from this account information input means and outputs verification information to the terminal. a verification information transmitting means within the host computer to transmit the verification information to the host computer, a terminal-side transaction processing means within the terminal that performs transaction processing at the terminal using the transaction information input by the customer and the verification information from the verification information transmission means; A terminal that writes transaction record information reflecting the transaction processing by the terminal-side transaction processing means in a transaction record file, sends a transaction processing request message to the host computer, and updates the transaction record information by reflecting the transaction processing completion message from the host computer. A transaction record output means within the host computer, and a host side transaction within the host computer that performs transaction processing in the host computer based on a transaction processing request message from the transaction record output means and sends a transaction processing completion message to the terminal after the processing is completed. 1. An automatic cash transaction method in a financial institution online system, characterized by having a processing means.