JP2022090348A - Trading systems, control servers and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction system for automatically checking a balance in continuous transactions.
SOLUTION: In a transaction system, a cash processing device 1 installed in a store of a financial institution and executing a cash transaction accompanied by deposit or withdrawal of cash, a customer operation terminal 2 operated by a customer, and an account of the financial institution. The account server 4 that executes online transactions without cash deposits and withdrawals, which functions as a system, and when continuous transactions include cash transactions, cash processing the execution request of the cash transaction via the communication network 5. A transmission unit that transmits to the device 1 and transmits an execution request of the online transaction to the account server 4 when the continuous transaction includes an online transaction, and manages a cash processing counter and an account processing counter for each continuous transaction, and a cash processing counter. The control server 3 has a counter control unit that calculates the balance amount based on the count value of the above and the count value of the account processing counter.
[Selection diagram] Fig. 1

Description

The present invention relates to trading systems, control servers and programs.

Conventionally, financial institutions have been equipped with automated teller machines and cash processing devices such as balance machines. The cash processing device executes a deposit transaction for depositing cash, a withdrawal transaction for withdrawing cash, and the like. In Patent Document 1, whether or not the total amount of cash processing equipment installed in the branch office and the total amount of cash in the branch office managed by the server match. A cash management system for confirmation is disclosed.

Japanese Patent Application Laid-Open No. 2003-168001

As described above, the cash processing apparatus executes a cash transaction involving deposit or withdrawal of cash. In recent years, online transactions that do not involve cash deposits or withdrawals have become widespread. Therefore, continuous transactions including cash transactions and online transactions can be executed. In cash transactions, the amount of money in the cash processing device increases or decreases, and in online transactions, the amount of money managed by the account server increases or decreases. However, in each continuous transaction, a mechanism for automatically checking the balance by combining the balance in online transactions and the balance in cash transactions has not been known.

Therefore, the present invention has been made in view of the above problems, and an object of the present invention is a new and improved trading system and control capable of automatically performing a balance check in continuous transactions. To provide servers and programs.

In order to solve the above problems, according to a certain aspect of the present invention, a cash processing device that executes a cash transaction with a cash deposit or withdrawal and an account for executing an online transaction without a cash deposit or withdrawal. The control server includes a server and a control server that controls execution of a continuous transaction including a plurality of transactions, and the control server sends a request for execution of the cash transaction to the cash processing device when the continuous transaction includes the cash transaction. When the continuous transaction includes the online transaction, a transmission unit that sends a request for execution of the online transaction to the account server, and a cash processing counter and an account processing counter are managed for each continuous transaction. The count value of the cash processing counter is increased or decreased according to the transaction type and transaction amount of the cash transaction included in the continuous transaction, and the count of the account processing counter is increased or decreased according to the transaction type and transaction amount of the online transaction included in the continuous transaction. Provided is a trading system having a counter control unit that increases or decreases the value and calculates the balance amount based on the count value of the cash processing counter and the count value of the account processing counter.

The control server further has a transaction control unit that terminates the continuous transaction when the balance amount calculated by the counter control unit is 0 after the plurality of transactions included in the continuous transaction are executed. You may.

The cash processing counter includes an individual counter indicating a count value according to the transaction type and transaction amount of the cash transaction for each cash transaction, and the account processing counter includes the transaction type and transaction amount of the online transaction for each online transaction. It may include an individual counter indicating a count value according to the above.

Further, in order to solve the above-mentioned problems, according to another aspect of the present invention, a receiving unit that receives a request for execution of a continuous transaction including a plurality of transactions and cash in which the continuous transaction involves cash deposit or withdrawal. When the transaction is included, the execution request of the cash transaction is sent to the cash processing device, and when the continuous transaction includes an online transaction without cash deposit and withdrawal, the execution request of the online transaction is sent to the account server. A transmission unit to be transmitted, a cash processing counter and an account processing counter are managed for each continuous transaction, and the count value of the cash processing counter is increased or decreased according to the transaction type and transaction amount of the cash transaction included in the continuous transaction. The count value of the account processing counter is increased or decreased according to the transaction type and transaction amount of the online transaction included in the continuous transaction, and the balance is calculated based on the count value of the cash processing counter and the count value of the account processing counter. A control server comprising a counter control unit for calculation is provided.

Further, in order to solve the above-mentioned problems, according to another aspect of the present invention, a computer is used as a receiving unit for receiving a request for execution of a continuous transaction including a plurality of transactions, and the continuous transaction deposits or withdraws cash. If a cash transaction involving cash transactions is included, a cash transaction execution request is sent to the cash processing device, and if the continuous transaction includes an online transaction that does not involve cash deposits and withdrawals, the online transaction execution request is sent. A transmission unit that transmits to the account server, a cash processing counter and an account processing counter are managed for each continuous transaction, and the count value of the cash processing counter is set according to the transaction type and transaction amount of the cash transaction included in the continuous transaction. Increase or decrease, increase or decrease the count value of the account processing counter according to the transaction type and transaction amount of the online transaction included in the continuous transaction, based on the count value of the cash processing counter and the count value of the account processing counter. A program is provided to function as a counter control unit that calculates the balance amount.

According to the present invention described above, it is possible to automatically check the balance of payments in continuous transactions.

It is a figure explaining an example of the transaction system by one Embodiment of this invention. It is explanatory drawing which shows the concept of continuous transaction including cash transaction and online transaction. It is a block diagram which shows an example of the functional structure of the cash processing apparatus 1 by one Embodiment of this invention. It is a block diagram which shows the functional structure of the control server 3 by one Embodiment of this invention. It is explanatory drawing which shows the specific example of the counter by reception. It is explanatory drawing which shows the operation of the transaction system by one Embodiment of this invention. It is explanatory drawing which shows the specific example of the counter by reception. It is explanatory drawing which shows the specific example of the counter by reception. It is explanatory drawing which shows the specific example of the counter by reception. It is explanatory drawing which shows the specific example of the counter by reception.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

Further, in the present specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numerals. However, when it is not necessary to particularly distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given to each of the plurality of components.

<1. Overview>
One embodiment of the present invention relates to a transaction system for conducting cash transactions and online transactions. First, with reference to FIG. 1, an outline of a trading system according to an embodiment of the present invention will be described.

FIG. 1 is a diagram illustrating an example of a trading system according to an embodiment of the present invention. As shown in FIG. 1, for example, the transaction system according to the present embodiment includes a cash processing device 1 installed in a store of a financial institution, a customer operation terminal 2 operated by a customer, and a control server that controls the operation of each device. 3 and an account server 4 that functions as an account system of a financial institution. Although the cash processing device 1 and the customer operation terminal 2 are shown in FIG. 1, the transaction system according to the embodiment of the present invention has a plurality of cash processing devices 1 and a plurality of customer operation terminals 2. May be good.

(Customer operation terminal)
The customer operation terminal 2 is placed on a counter 7 installed in a store such as a store of a financial institution. The customer operation terminal 2 is connected to the control server 3 via the communication network 5. Further, the customer operation terminal 2 has a display unit, an operation input unit, and a control unit. For example, the control unit generates a transaction information input screen, and the display unit displays the input screen. The customer inputs transaction information by operating the operation input unit. The transaction information includes designation of deposit or withdrawal transaction, deposit or withdrawal amount, customer's name, customer's account number, and the like. In the case of withdrawal transactions, the customer may also specify the number of denominations to withdraw. The clerk of the financial institution may stand by in the vicinity of the counter 7 to assist the customer in operating the customer operation terminal 2. Further, the customer operation terminal 2 may be realized by, for example, a tablet terminal, a smartphone, a notebook PC, a desktop PC, or the like.

The customer operation terminal 2 transmits the input transaction information to the control server 3 via the communication network 5 as a transaction execution request. When one cash processing device 1 is associated with the customer operation terminal 2, or when one of the cash processing devices 1 is designated by the customer, the control server 3 transfers the cash processing device 1 to the cash processing device 1. By transmitting the transaction information, the cash processing apparatus 1 can start a cash transaction.

On the other hand, the customer operation terminal 2 may print out the reception number assigned to the transaction corresponding to the input transaction information to the printer 6 placed on the counter 7 and connected to the customer operation terminal 2 by communication. The reception number may be assigned by the customer operation terminal 2 or may be assigned when the control server 3 receives the transaction information. Further, the reception number may be printed by printing alphanumerical characters of the reception number, or by printing a barcode indicating the reception number or a two-dimensional code (QR code (registered trademark)). After receiving the receipt printed out from the printer 6, the customer moves to the location of any cash processing device 1 and causes the cash processing device 1 to read the receipt, or the transaction input by the customer operation terminal 2. Can be started.

In the above, it has been explained that the reception number is printed out on a receipt (paper medium) as an example, but the customer operation terminal 2 may write the reception number on a predetermined IC card and discharge it, for example, or the customer may discharge the reception number. The display screen information of the information indicating the reception number may be transmitted to the personal terminal (smartphone or the like) to be carried.

(Cash processing equipment)
The cash processing device 1 is assumed here to be a self-type cash processing device operated by a customer. The cash processing device 1 has a cash processing unit 140 including a bill processing unit 142 and a coin processing unit 144. The banknote processing unit 142 deposits and withdraws banknotes, and the coin processing unit 144 deposits and withdraws coins. Further, as shown in FIG. 1, on the upper surface of the cash processing device 1, there is an operation display unit 110 having an operation input and display function, and a reading unit 120 that optically reads a barcode or QR code printed on a receipt. Is provided. When the reception number is read by the reading unit 120, the cash processing device 1 inquires of the reception number from the control server 3 and acquires the corresponding transaction information from the control server 3.

Further, as shown in FIG. 1, the banknote processing unit 142 of the cash processing device 1 is provided with a banknote deposit / withdrawal port 11 for depositing and withdrawing banknotes, and the coin processing unit 144 is provided with coins. A coin slot 19, a coin return box 22 for returning coins by canceling a deposit transaction, and a coin withdrawal box 24 for withdrawing coins are provided.

(Control server)
The control server 3 communicates with a customer operation terminal 2 and a cash processing device 1 provided in each store of a financial institution via a communication network 5. The control server 3 is also connected to the accounting server 4. The control server 3 can give an operation instruction to each device to be communicated and connected. For example, the control server 3 stores the transaction information received from the customer operation terminal 2 and requests the cash processing device 1 or the accounting server 4 to execute the transaction.

Transaction types include cash transactions and online transactions. The cash transaction is a transaction involving deposit or withdrawal of cash, and is executed by the cash processing apparatus 1. The online transaction is a transaction that does not involve cash deposits and withdrawals and is executed by the account server 4. The transaction information received from the customer operation terminal 2 may be information requesting execution of continuous transactions including such cash transactions and online transactions. When the continuous transaction includes a cash transaction, the control server 3 sends a request for executing the cash transaction to the cash processing device 1, and when the continuous transaction includes an online transaction, the control server 3 executes the online transaction. The request is sent to the account server 4. Here, with reference to FIG. 2, continuous transactions including cash transactions and online transactions will be conceptually described.

FIG. 2 is an explanatory diagram showing the concept of continuous transactions including cash transactions and online transactions. The reserve pool shown in FIG. 2 is a virtual pool that holds reserves generated in the process of continuous trading. In online withdrawal, the account server 4 subtracts the withdrawal amount specified by the customer from the customer's account balance, and the money corresponding to the withdrawal amount is put into the virtual reserve pool as a reserve. In online deposit, the deposit amount specified by the customer is added to the account balance of the deposit destination, and the reserve corresponding to the deposit amount is withdrawn from the reserve pool.

In the cash deposit, the cash of the deposit amount specified by the customer is deposited in the cash processing device 1, and the reserve corresponding to the deposit amount is put in the reserve pool. In the cash withdrawal, cash corresponding to the withdrawal amount designated by the customer is withdrawn from the cash processing device 1, and a reserve corresponding to the withdrawal amount is withdrawn from the reserve pool.

That is, in a continuous transaction, conceptually, a reserve is placed in the reserve pool by online withdrawal or cash deposit, and online deposit or cash withdrawal is performed using the reserve. For example, if a continuous transaction involves online withdrawals, online deposits and cash withdrawals, conceptually, online withdrawals place a reserve in the reserve pool and the reserves are used for online deposits and cash withdrawals. Is done.

At the end of such continuous transactions, it is desirable that the reserve in the reserve pool is 0 yen. That is, it is desirable that the balance of the reserve pool in continuous transactions is 0 yen. If the balance exceeds 0 yen, there is a surplus in the reserve, and it is desirable to execute a transaction involving the outflow of the reserve such as cash withdrawal or online deposit. If the balance is less than 0 yen, the reserve is insufficient, and it is desirable to execute a transaction involving the inflow of reserve such as cash deposit or online withdrawal. In one embodiment of the present invention, as will be described in detail later, the control server 3 automatically confirms that the balance amount is 0 yen and terminates the continuous transaction, whereby the continuous transaction is completed. It is possible to prevent the occurrence of a balance.

(Account server)
The accounting server 4 executes an online transaction. In addition, the account server 4 manages customer's personal information (name, ID, telephone number, address, account number, transaction history, work place, family structure, etc.) and information of each store (the amount of cash processing device 1). ) Is managed.

<2. Configuration of cash processing equipment>
The outline of the transaction system according to the embodiment of the present invention has been described above. Subsequently, with reference to FIG. 3, the functional configuration of the cash processing apparatus 1 according to the embodiment of the present invention will be described.

FIG. 3 is a block diagram showing an example of the functional configuration of the cash processing apparatus 1 according to the embodiment of the present invention. As shown in FIG. 3, the cash processing device 1 includes a control unit 100, an operation display unit 110, a reading unit 120, a communication unit 130, a cash processing unit 140, and a storage unit 160.

The control unit 100 is configured around, for example, a CPU (Central Processing Unit) and the like, and controls each functional unit of the cash processing apparatus 1 to execute various transactions. Further, the control unit 100 controls the communication unit 130 to transmit information indicating the transaction processing result to the control server 3. Further, when the reception number is read by the reading unit 120, the control unit 100 causes the communication unit 130 to transmit the reception number to the control server 3.

The operation display unit 110 includes a display unit that displays an operation guidance screen, a screen showing a processing status, and the like, and a function as an input unit for the customer to input an operation. The function as a display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, and an OLED (Organic Light Emitting Diode) device. Further, the function as an input unit is realized by, for example, a touch panel. The functions of the display unit and the operation input unit may be configured separately.

The reading unit 120 has a function of optically reading encoded information such as a one-dimensional barcode and a QR code (registered trademark). The reading unit 120 may be realized by, for example, a camera or a barcode reader. Further, when the transaction number is read from the IC card, the reading unit 120 may be realized by a card reader.

The communication unit 130 is connected to the control server 3 via the communication network 5. The communication unit 130 receives transaction information related to a cash transaction from the control server 3 and transmits a transaction processing result to the control server 3. The communication method used by the communication unit 130 may be a wired communication method or a wireless communication method. Examples of the wired communication method include a communication method using an Ethernet cable conforming to IEEE, and examples of the wireless communication method include a communication method using WiFi conforming to IEEE.

The cash processing unit 140 performs deposit processing and withdrawal processing of cash such as banknotes and coins. In the deposit process, a counting process for counting the cash input by the customer, a storage process for storing the cash in the storage unit, and the like are performed. In the withdrawal process, cash withdrawal processing from the storage unit, transportation processing for transporting the withdrawn cash to the withdrawal port, and the like are performed.

The storage unit 160 is realized from a ROM (Read Only Memory), a RAM (Random Access Memory), and the like, and is realized by a control program for controlling the operation of the cash processing device 1, input data at the time of transaction of the cash processing device 1, and display. Stores screens, etc.

<3. Control server configuration>
The functional configuration of the cash processing apparatus 1 according to the embodiment of the present invention has been described above. Subsequently, with reference to FIG. 4, the functional configuration of the control server 3 according to the embodiment of the present invention will be described.

FIG. 4 is a block diagram showing a functional configuration of the control server 3 according to the embodiment of the present invention. As shown in FIG. 4, the control server 3 according to the embodiment of the present invention has a communication unit 310, a transaction control unit 320, a counter control unit 330, and a counter storage unit 340.

The communication unit 310 communicates with an external device such as a cash processing device 1, a customer operation terminal 2, and an accounting server 4. For example, the communication unit 310 has a function as a receiving unit that receives transaction information of a continuous transaction including a plurality of transactions from the customer operation terminal 2 as a continuous transaction execution request. Further, the communication unit 310 has a function as a transmission unit for transmitting a transaction execution request to the cash processing device 1 and the account server 4 in accordance with the control from the transaction control unit 320. For example, the communication unit 310 sends a request for executing the cash transaction to the cash processing device 1 when the requested continuous transaction includes a cash transaction, and when the continuous transaction includes an online transaction, the online transaction. The execution request of is sent to the account server 4.

The transaction control unit 320 is one of the functions realized by the cooperation between hardware such as a CPU (Central Processing Unit) and software. The transaction control unit 320 controls general transactions. For example, when the transaction control unit 320 receives a continuous transaction execution request from the communication unit 310, the transaction control unit 320 assigns a reception number corresponding to the continuous transaction. Further, the communication unit 310 is made to transmit the execution request of each transaction included in the continuous transaction to the cash processing device 1 or the accounting server 4. Further, the transaction control unit 320 confirms whether or not the balance amount managed by the counter control unit 330, which will be described later, is 0, and ends the continuous transaction.

The counter control unit 330 generates one reception-specific counter for each continuous transaction. The counter storage unit 340 stores the reception-specific counter. Reception-specific counters include cash processing counters and account processing counters. The cash processing counter is a counter that holds a count value indicating the balance in cash transactions, and the account processing counter is a counter that holds a count value that indicates the balance in online transactions. The balance may be the balance in the reserve pool described with reference to FIG. Here, with reference to FIG. 5, the counter for each reception will be described in more detail.

FIG. 5 is an explanatory diagram showing a specific example of the counter for each reception. As shown in FIG. 5, the account processing counter and the cash processing counter include a total counter and an individual counter, respectively. The counter control unit 330 causes the individual counter of the account processing counter to hold the count value corresponding to each online transaction, and causes the total value of the individual counter to be held in the total counter of the account processing counter. The individual counter of the account processing counter holds a count value according to the transaction type and transaction amount of the corresponding online transaction. In the example shown in FIG. 5, "+10,000" is held in the individual counter of the account processing counter, which is a count value corresponding to the executed online withdrawal of 10,000 yen. Further, "+5,000" is held in the total counter of the account processing counter, which indicates that the total value of the individual counters corresponding to the executed online transactions is "+5,000". That is, the counter control unit 330 increases / decreases the total counter of the account processing counter according to the transaction type and the transaction amount of the executed online transaction.

Similarly, the counter control unit 330 causes the individual counter of the cash processing counter to hold the count value corresponding to each cash transaction, and causes the total value of the individual counter to be held in the total counter of the cash processing counter. The individual counter of the cash processing counter holds a count value according to the transaction type and transaction amount of the corresponding cash transaction. In the example shown in FIG. 5, "-5,000" is held in the individual counter of the cash processing counter, which is a count value corresponding to the executed cash withdrawal of 5,000 yen. Further, "-5,000" is held in the total counter of the cash processing counter, which indicates that the total value of the individual counters corresponding to the executed cash transactions is "-5,000". That is, the counter control unit 330 increases or decreases the total counter of the cash processing counter according to the transaction type and transaction amount of the executed cash transaction.

Further, the counter control unit 330 calculates the balance amount based on the count value of the total counter of the account processing counter and the count value of the total counter of the cash processing counter. Specifically, the balance amount in continuous transactions is calculated by summing the counter values of both. The reception-specific counter includes the balance amount calculated by the counter control unit 330. In the example shown in FIG. 5, since the total counter of the cash processing counter is "-5,000" and the total counter of the account processing counter is "+5,000", the balance amount is "0 yen". ing.

<4. Operation>
The configuration of the trading system according to the embodiment of the present invention has been described above. Subsequently, with reference to FIG. 6, the operation of the trading system according to the embodiment of the present invention will be organized.

FIG. 6 is an explanatory diagram showing the operation of the trading system according to the embodiment of the present invention. As shown in FIG. 6, first, when the customer operates the customer operation terminal 2 and inputs the content of the continuous transaction (S204), the customer operation terminal 2 uses the transaction information indicating the content of the continuous transaction as a transaction execution request. It is transmitted to the control server 3 (S208). Here, it is assumed that a transaction execution request for continuous transactions including online withdrawal (10,000 yen), online deposit (5,000 yen), and cash withdrawal (5,000 yen) has been sent.

The transaction control unit 320 of the control server 3 assigns a reception number corresponding to continuous transactions based on the reception of the transaction execution request (S212). Further, the counter control unit 330 generates a reception-specific counter corresponding to the continuous transaction (S216). At this point, since no transaction has been executed, as shown in FIG. 7, the count value is not held in each counter in the reception-specific counter, and the balance is 0 yen. After that, the communication unit 310 of the control server 3 transmits a transaction start response indicating that the transaction is started to the customer operation terminal 2 (S220). The customer operation terminal 2 may display a guidance screen including a message indicating that the transaction is in progress and a message such as "Please wait" based on the reception of the transaction start response.

Then, the communication unit 310 of the control server 3 transmits an execution request for online withdrawal (10,000 yen) to the account server 4 based on the control from the transaction control unit 320 (S224). The accounting server 4 executes online withdrawal according to the execution request, and transmits the processing result to the control server 3 (S228). The counter control unit 330 of the control server 3 updates the account processing counter of the reception-specific counter based on the reception of the processing result (S232). Specifically, the counter control unit 330 adds "+110,000" to the individual counters of the account processing counters as shown in FIG. 8, sets the total counter of the account processing counters to "+110,000", and sets the balance amount. Is set to "+110,000 yen".

Subsequently, the communication unit 310 of the control server 3 transmits an execution request for online deposit (5,000 yen) to the account server 4 based on the control from the transaction control unit 320 (S236). The accounting server 4 executes online deposit according to the execution request, and transmits the processing result to the control server 3 (S240). The counter control unit 330 of the control server 3 updates the account processing counter of the reception-specific counter based on the reception of the processing result (S244). Specifically, the counter control unit 330 adds "-5,000" to the individual counter of the account processing counter as shown in FIG. 9, sets the total counter of the account processing counter to "+5,000", and makes a balance. The difference is "+5,000 yen".

After that, the communication unit 310 of the control server 3 transmits an inquiry for confirming the occupancy status of the cash processing device 1 to the cash processing device 1 (S248), and receives the confirmation result from the cash processing device 1 (S252). Here, when the confirmation result indicates that the cash processing device 1 is not occupied, the communication unit 310 of the control server 3 withdraws cash (5,) to the cash processing device 1 based on the control from the transaction control unit 320. 000 yen) execution request is sent (S256). The cash processing device 1 executes cash withdrawal according to the execution request, and transmits the processing result to the control server 3 (S260). The counter control unit 330 of the control server 3 updates the cash processing counter of the reception-specific counter based on the reception of the processing result (S264). Specifically, as shown in FIG. 10, the counter control unit 330 adds "-5,000" to the individual counter of the cash processing counter, and sets the total counter of the cash processing counter to "-5,000". , The balance is "0 yen".

The transaction control unit 320 of the control server 3 confirms that the balance held in the counter for each reception is "0 yen" when all the transactions included in the continuous transaction are completed (S268), and the continuous transaction. Is terminated (S272). Then, the communication unit 310 of the control server 3 transmits a transaction end response indicating that the continuous transaction has ended to the customer operation terminal 2 (S276). The customer operation terminal 2 may display a display screen indicating that the transaction has been completed based on the reception of the transaction end response.

If the balance held in the reception counter is not 0 yen at the end of all transactions included in the continuous transaction, the balance in the continuous transaction does not match, so the control server 3 determines the balance. The customer operation terminal 2 may display a screen for inducing a transaction for matching. For example, when the balance amount is less than 0 yen, the customer operation terminal 2 may display a screen for inducing additional execution such as cash deposit or online withdrawal. After that, cash deposits or online withdrawals are additionally executed, and when the balance becomes 0 yen, continuous transactions can be completed.

Further, in the above, an example in which continuous transactions are started based on the transmission of a transaction start request from the customer operation terminal 2 has been described, but the customer operation terminal 2 outputs a receipt on which the reception number is printed, and the cash processing device 1 May start a continuous transaction by reading the receipt number from the receipt.

<5. Action effect>
According to one embodiment of the present invention described above, various effects are exhibited. For example, the control server 3 can automatically check the balance by combining the balance in online transactions and the balance in cash transactions. Therefore, it is possible to improve the reliability of the transaction and reduce the load on the operator as compared with the case where the operator checks the balance of each continuous transaction. In addition, since the count value corresponding to each transaction is held in the individual counter in the counter for each reception, if the balance does not reach 0 yen, the reason why the balance did not reach 0 yen is caused by the individual counter. It is possible to analyze while referring to the count value.

<6. Supplement>
A preferred embodiment of the present invention has been described in detail with reference to the accompanying drawings, but the present invention is not limited to this example. It is clear that a person having ordinary knowledge in the field of the art to which the present invention belongs can come up with various modifications or modifications within the scope of the technical ideas described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

For example, although the example in which the transaction system according to the embodiment of the present invention is applied to the business flow in a financial institution has been described above, the application destination of the transaction system according to the embodiment of the present invention is not limited to the financial institution. The trading system according to one embodiment of the present invention is various in which customers handle cash in retail businesses such as supermarkets and convenience stores, travel agencies, leisure facilities, passenger / infrastructure businesses such as railroads and aviation, medical institutions, government offices, and the like. Applicable to various industries.

In addition, each step in the processing of the transaction system of the present specification does not necessarily have to be processed in chronological order in the order described as a sequence diagram or a flowchart. For example, each step in the processing of the trading system may be processed in an order different from the order described in the flowchart, or may be processed in parallel.

Further, the above-mentioned cash processing device 1, customer operation terminal 2, control server 3 and hardware such as CPU, ROM and RAM built in the cash processing device 1, the customer operation terminal 2, the control server 3 and the accounting server 4 are used. It is also possible to create a computer program for exerting the same function as each configuration of the accounting server 4. A storage medium for storing the computer program is also provided.

1 Cash processing device 11 Banknote deposit / withdrawal port 19 Coin slot 22 Coin return box 24 Coin withdrawal box 100 Control unit 110 Operation display unit 120 Reading unit 130 Communication unit 140 Cash processing unit 142 Banknote processing unit 144 Coin processing unit 160 Storage unit 2 Customer operation terminal 3 Control server 310 Communication unit 320 Transaction control unit 330 Counter control unit 340 Counter storage unit 4 Account server

Claims (5)

A cash processing device that executes cash transactions involving cash deposits and withdrawals,
An account server that executes online transactions without cash deposits and withdrawals,
A control server that controls the execution of continuous transactions involving multiple transactions,
Equipped with
The control server
When the continuous transaction includes the cash transaction, a cash transaction execution request is sent to the cash processing device, and when the continuous transaction includes the online transaction, the online transaction execution request is sent to the account server. A transmission unit to be transmitted, a cash processing counter and an account processing counter are managed for each continuous transaction, and the count value of the cash processing counter is increased or decreased according to the transaction type and transaction amount of the cash transaction included in the continuous transaction. The count value of the account processing counter is increased or decreased according to the transaction type and transaction amount of the online transaction included in the continuous transaction, and the balance is calculated based on the count value of the cash processing counter and the count value of the account processing counter. Counter control unit to calculate,
Has a trading system. The control server further has a transaction control unit that terminates the continuous transaction when the balance amount calculated by the counter control unit is 0 after the plurality of transactions included in the continuous transaction are executed. , The transaction system according to claim 1. The cash processing counter includes an individual counter indicating a count value according to the transaction type and transaction amount of the cash transaction for each cash transaction.
The transaction system according to claim 1 or 2, wherein the account processing counter includes an individual counter indicating a count value according to the transaction type and transaction amount of the online transaction for each online transaction. A receiver that receives execution requests for continuous transactions that include multiple transactions, and
If the continuous transaction involves a cash transaction involving cash deposits or withdrawals, a request to execute the cash transaction is sent to the cash processing device, and the continuous transaction includes an online transaction without cash deposits and withdrawals. In some cases, a transmitter that sends a request to execute the online transaction to the account server,
A cash processing counter and an account processing counter are managed for each continuous transaction, and the count value of the cash processing counter is increased or decreased according to the transaction type and transaction amount of the cash transaction included in the continuous transaction, and is included in the continuous transaction. With a counter control unit that increases or decreases the count value of the account processing counter according to the transaction type and transaction amount of online transactions, and calculates the balance amount based on the count value of the cash processing counter and the count value of the account processing counter. ,
A control server. Computer,
A receiver that receives execution requests for continuous transactions that include multiple transactions, and
If the continuous transaction involves a cash transaction involving cash deposits or withdrawals, a request to execute the cash transaction is sent to the cash processing device, and the continuous transaction includes an online transaction without cash deposits and withdrawals. In some cases, a transmitter that sends a request to execute the online transaction to the account server,
A cash processing counter and an account processing counter are managed for each continuous transaction, and the count value of the cash processing counter is increased or decreased according to the transaction type and transaction amount of the cash transaction included in the continuous transaction, and is included in the continuous transaction. With a counter control unit that increases or decreases the count value of the account processing counter according to the transaction type and transaction amount of online transactions, and calculates the balance amount based on the count value of the cash processing counter and the count value of the account processing counter. ,
A program to function as.

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