| 摘要 |
A branch banking system for on-line processing of banking transactions which is responsive to customer-initiated and teller-initiated operations and comprises a plurality of remote branch office terminals and a central controller for establishing transaction validity, maintaining transaction records and customer data. Each branch office terminal includes a branch controller in communication with the central controller and an associated plurality of branch teller stations, each including a teller unit and an associated set of peripheral units. Each teller station includes a teller data display which is responsive to the central controller, by way of its associated branch controller, to display alphanumeric data representative of the transactions. The set of peripheral units includes: a PIN (Personal Identification Number) signal generator, customer operated, for generating a PIN signal representative of specific data associated with that customer, a card reader for generating a CARD signal representative of data magnetically encoded on a region of a card as the card is read, and a teller data entry terminal. Each teller data entry terminal includes a first and a second teller-operated keyboard for respectively generating a FUNCTION signal representative of a desired banking function and a NUMERIC signal representative of a desired transaction. Each teller unit includes storage for temporarily storing the PIN, CARD, FUNCTION, and NUMERIC signals as generated. Each branch controller includes means to repetitively sample the storage of each of its teller units in succession at a polling frequency at least twice the character generation rate of the various peripheral units, means to identify each sampling time when a new character has been generated since the last sampling time, and means to transfer the new character signal when a new character is identified, together with an address signal or tag representative of the associated peripheral unit to the central controller. The central controller is responsive to the succession of new character signals to identify the customer account number and desired transactions, and is further responsive to successively validate the received new character signals, establish a record of the transaction, up-date the current customer account data to reflect the transaction, and transmit an authorization signal and data representative of the transaction to the display. |
