JPS595940B2 - Transaction response method using a computer - Google Patents

Description

[Detailed Description of the Invention] The present invention relates to a method for efficiently processing transaction requests from each terminal device when credit services such as banking transactions are converted to EDP, and in particular regarding transactions that require approval from executives. The present invention relates to a new transaction response method for simplifying operations.

Conventionally, in banking systems that use electronic computers, each terminal device is equipped with a transaction approval key set unit, and approval request items and criteria are defined, and it is determined that approval is required for the content of transaction requests from the terminal device. In some cases, an approval request is sent back, and transaction procedures can be performed by setting an approval key from an approval officer.

However, in the conventional system described above, once the approval request is returned from the central computer side, the previous transaction messages must be canceled and the same transaction data must be entered again with the approval key set on the terminal device side. As a result, operators were forced to perform double operations.

In addition, in systems that suspend transaction messages until the setting of an authorization key is confirmed on the computer side, the ledger file is locked for exclusive use during that time, making it impossible to respond to transaction requests from other terminal devices. The disadvantage was that there was no The purpose of this invention is to improve the transaction response method in a banking system using an electronic computer, which eliminates the above-mentioned drawbacks of the conventional system and allows for improved operability and efficient processing. . Briefly stated, the present invention provides a computer shared by a large number of terminal devices with a storage section for transaction messages, and for transactions for which transaction approval is requested, the transaction message is temporarily stored in the storage section at the time of approval. The transaction message is stored, releases the exclusive state of the ledger file, waits for receipt of an authorization code sent from the terminal device in response to setting the transaction authorization key, and executes processing of the transaction message. This will be explained in more detail below with reference to the drawings.
That is, the figure is a block diagram showing a schematic configuration of a banking system to which the present invention is applied, and an electronic computer 10 includes a central processing unit 11 and a storage device 12 that stores a ledger file.

Further, as a feature of the present invention, the electronic computer 10 is provided with a storage section 13 that is used to approve transaction messages. On the other hand, a plurality of terminal devices 20, 30, 40, . In addition to a keyboard 81, a display 32, and a printer 33, it is equipped with a transaction message transmitting/receiving section 34 and an approval key setting section 35. Thus, a certain terminal device 3
When transaction data is input from the keyboard 31 of the computer 0, a transaction request message is sent from the transaction message transmitting/receiving section 34 to the computer 10, and is referenced with the contents of the ledger file 11 to determine whether or not the transaction is possible. However, if the content of the transaction message is outside the scope of a normal transaction when viewed from the ledger file, the item will be returned to the terminal device, and if the transaction requires approval from an executive, an approval request will be issued. Instructions are given. In this case, in the present invention, the transaction request message once received by the computer 10 is stored in the approval storage section 13 without being canceled. This storage format is such that the customer number and incoming message are stored at the corresponding terminal position in the terminal table along with an indicator indicating that overwriting is in progress. When the authorization key is inserted into the key set section 35 of the terminal device 30, an authorization code is generated and sent to the computer 10, and the computer 10 responds to the authorization storage section 13 in response to the receipt of the authorization code. A transaction message is read from. The transaction message is then reprocessed with the previous approval request items approved, and if there are no new problems with the transaction, the ledger file is updated according to the transaction details and the transaction is completed. During this time, if a transaction request is made from another terminal device, the transaction details can be freely processed since the ledger file is not bound.

In addition, since the ledger file is not locked while such approval is held, a transaction request for the same customer's account may occur from another terminal device, and the transaction may be completed and the ledger file updated. In this case, a message with previous approval will be reprocessed after waiting for the approval code to be received, so even if the ledger file is changed due to another transaction, if a new approval item has occurred, an approval request will be issued again. It turns out. Therefore, no transaction error will occur even if the ledger file is released from possession and the authorization is held. As is clear from the above explanation, in short, the present invention stores transaction messages that require approval from executives in the approval storage section, waits for confirmation of the approval key set, and then stores them in the ledger file at that point. The main point of this system is to re-execute the process for the system, which is extremely useful for simplifying operator operations and improving the operational efficiency of the entire system.

[Brief explanation of drawings]

The figure is a block diagram showing a schematic configuration of a banking system to which the present invention is applied. 10 is an electronic computer, 11 is a central processing unit, 12 is a ledger file storage device, 13 is a transaction message approval storage section, 20, 30... are terminal devices, 31 is a keyboard, 35 is a This is the key set section.

Claims (1)

[Claims] 1. A plurality of terminal devices, each equipped with a transaction message transmitting/receiving section and an authorization code generating section in response to a transaction authorization key set, are connected to a computer including a storage device storing a common ledger file. In the system used, the electronic computer is provided with an approval waiting storage section for transaction messages, and for transactions for which transaction approval is requested, the transaction message is stored in the approval waiting storage section and the exclusive state of the ledger file is released. . A transaction response method using a computer, characterized in that processing of the transaction message is executed after waiting for receipt of an authorization code sent in response to the set of transaction authorization keys.