JP2981746B2 - Automatic transaction processor - Google Patents

Description

Description: BACKGROUND OF THE INVENTION (a) Industrial Field of the Invention The present invention relates to improvement of a system for dealing with downs in an automatic transaction processing apparatus. (B) Summary of the Invention When the automatic transaction processing device according to the present invention goes down during a withdrawal transaction and is restored by an attendant, the center inquires of the center whether or not the downed transaction has been established during the withdrawal transaction. If the transaction is completed at the center, the requested amount is withdrawn. This eliminates the withdrawal work by the staff and ensures cash management. (C) Conventional technology An automatic transaction processing device installed in a financial institution or the like is connected to a center provided with a file for each customer. Make inquiries. When the result of these inquiries is OK and there is a reply that the file has been updated, the automatic transaction processing device makes a withdrawal. Conventionally, the automatic transaction processing device or line may go down during the withdrawal transaction, and the transaction may be interrupted without knowing whether or not the transaction has been completed (the center file has been updated). there were. In such a case, conventionally, a clerk makes an inquiry to the center with another terminal device to inquire whether or not the transaction has been completed. That is, an inquiry is made as to whether or not the center file has been rewritten. If it has already been rewritten, the transaction has been concluded, and the attendant has taken out the withdrawal amount from the safe of the automatic transaction processor that went down and paid the customer. (D) Problems to be Solved by the Invention However, in such a dispensing method, the disbursement must be made at the responsibility of the attendant, so that the burden on the attendant increases, and the amount of cash extracted from the safe is managed by the device. There was a drawback in that cash management of the withdrawal transaction occurred because it was not possible. In addition, there is a problem in that the operation efficiency is reduced since the center must be inquired using another online terminal device. The present invention has been made in view of such a problem, and provides an automatic transaction processing device that can withdraw money by inquiring of the center about transaction completion after recovery even if it goes down during withdrawal transaction. Aim. (E) Means for solving the problem The present invention relates to an automatic transaction in which the contents of a withdrawal transaction requested by a customer are transmitted to a center for inquiry, and the requested amount of cash is withdrawn by a bill / coin processing unit. In the processing device, when a down occurs during the withdrawal transaction, storage means for storing the transaction contents of the withdrawal transaction, and after the down occurred during the withdrawal transaction is restored, the storage is stored in the center. Means for transmitting the transaction contents stored in the means and inquiring whether or not the withdrawal transaction that was down during the transaction is established; and when the withdrawal transaction was established at the center, the bill / coin processing unit And means for executing a withdrawal operation of the billing amount. (F) Function When performing the withdrawal transaction by the automatic transaction processing device of the present invention,
Sends transaction details data to the center and queries whether the transaction is possible. The center refers to the customer's balance, negative file, and the like to determine whether or not the transaction is possible. The result of the judgment is edited into a message and returned to the automatic transaction processing device. The automatic transaction processing device withdraws a predetermined amount of cash if the electronic message received from the center is an electronic message that allows payment. Here, if the device or the line goes down during the withdrawal transaction, a recovery / reset operation is performed. When this operation is completed and the operation of the device is resumed,
The center is inquired as to whether or not a withdrawal transaction has been completed on the way, and if the withdrawal transaction has been established at the center, a withdrawal operation of the billed amount is executed. This can eliminate the withdrawal work of the attendant. (G) Embodiment FIG. 2 is an external view of an ATM (automatic transaction processor) according to an embodiment of the present invention. On the vertical panel surface of the customer service panel, there are provided a handling indicator 1 for displaying whether or not a transaction is in progress, a passbook insertion slot 2 for inserting a passbook, and a card insertion slot 3 for inserting a transaction card used for deposit and withdrawal transactions. Have been. The handling display 1 displays "cancel handling" when a device or line goes down. A bill receiving / dispensing port 4, a CRT 5, and a coin receiving / dispensing port 7 are provided on the horizontal panel surface. A touch panel switch 6 is provided on the surface of the CRT 5 to detect whether or not a finger or the like touches the surface of the CRT 5 and its position. Operation guides and various keys corresponding to each stage of the transaction are displayed on the CRT 5, and the touch panel switch 6 detects the key press. A staff key 8 is provided on the front surface of the horizontal panel. The staff key 8 is a key that is pressed when the machine goes down and the staff performs maintenance. FIG. 3 is a block diagram of a control unit of the ATM. A ROM 10 storing programs and the like, a RAM 12 storing data and the like, and an interface 13 for controlling each operation unit are connected to a CPU 10 for controlling the entire apparatus. The interface 13 includes a CRT control unit 14 for controlling the display of the CRT 5, a touch panel switch control unit 15 for controlling the detection operation of the touch panel switch 6, a card reader 16 for reading data of a card inserted from the card insertion slot 2, a passbook / in / out. A passbook / payment table printer 17 for printing tables, a bill processing unit 18 for processing bill deposits and withdrawals, a coin processing unit 19 for processing coin deposits and withdrawals, and a floppy disk on which data and backup files to be loaded into the RAM 12 are set.
The floppy disk drive 21 into which the 22 is inserted and the center
A transmission control unit 23 for communicating with 24 is connected. A file for each customer is set in the center 24, and this file is updated by a message from the ATM. FIGS. 4A and 4B show the RAM 12 and the center of the ATM.
It is a block diagram of 24 files. (A) of FIG.
3 shows a data storage area during transaction. 12a is a card data storage area for storing data of a card inserted for a transaction, and 12b is a withdrawal amount storage area for storing a withdrawal charge amount keyed in during a withdrawal transaction. Also,
FIG. 3B shows a storage area of the center file for each customer. 24a is a customer information storage area for storing customer information such as a customer's name and address, 24b is a balance storage area for storing the balance of deposits and savings, and 24c is the last updated transaction data for the balance storage area 24b. This is the last transaction storage area. The withdrawal transaction processing operation of the ATM will be described with reference to the flowchart of FIG. When the transaction card is inserted (n1) and the correct password is keyed in (n2), the transaction becomes possible. When the withdrawal amount is keyed in at n3, a message including this amount and the card data is transmitted to the center to inquire whether the withdrawal is possible (n4). The center determines from the balance, the negative file, and the like whether or not the received message can be traded (n5). The center transmits the message as a result of the determination to the ATM. If the transaction is possible, send “withdrawable telegram”. ATM
Receives this message (n6). If this message is normally received (n7), the card is returned (n8), and the banknote / coin processing unit is prepared for withdrawal (n9). If the withdrawal preparation is normally performed (n10), the withdrawal is performed (n11). When the dispensing process is normally performed (n12), the shutter of the bill / coin deposit / withdrawal port is opened (n13), and after confirming that the bill / coin is removed (n14), the shutter of the bill / coin is closed ( n15) Finish the operation. On the other hand, if it is determined at n7, n10, and n12 that the reception of a message or the release of cash has not been performed normally, the device goes down and asks for a response from a staff member. First, the staff key is pressed (n1
6), the cause of the failure is checked (n17), and reset processing is performed (n18). These are all staff operations. When it is determined in step n19 that the state has returned to the normal state as a result of this processing, the file update investigation operation is started (n20).
When the inquiry key is pressed by the attendant (this key is displayed on the CRT 5) (n21), the center determines whether or not the transaction interrupted by the down (stored in the areas 12a and 12b) is established. Inquire (n22). At this time, the contents of the storage areas 12a and 12b are transmitted. The center determines whether or not the transaction has been completed from the previous transaction storage area 24c and returns it. In ATM, if the reply is a transaction (n2
3) Wait for the withdrawal key (displayed on CRT5) and press n9
Proceed to. If the transaction has not been completed, the operation ends.
When the operation proceeds to n9, predetermined cash is dispensed. n22 corresponds to a means for inquiring whether or not a withdrawal transaction that has been down during the present invention is established, and n23 and n24 correspond to "means for performing a withdrawal operation of the billed amount" of the present invention. (H) Effects of the Invention As described above, according to the present invention, even if a device is down during a withdrawal transaction and the transaction is interrupted, after restoration by a clerk, the center is inquired about the establishment / failure of the interrupted transaction. If it is established, the billed amount can be automatically withdrawn. This eliminates the need for a clerk to remove cash from the safe of the device and withdraw money to the customer even if the device or the like goes down during the withdrawal transaction, thereby facilitating cash management and reducing the burden of cash handling by the clerk. can do.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flowchart showing the operation of a control unit of an ATM according to an embodiment of the present invention. FIGS. 2 and 3 are external views of the ATM and a block diagram of the control unit. Figures (A), (B)
FIG. 4 is a partial configuration diagram of a memory and a center file of the ATM. 12a: Card data storage area, 12b: Withdrawal amount storage area, 24c: Last transaction storage area.

   ────────────────────────────────────────────────── ─── Continuation of front page       (56) References JP-A-60-183676 (JP, A)                 JP-A-63-16375 (JP, A)                 JP-A-61-67192 (JP, A)                 JP-A-59-43474 (JP, A)                 JP-A-62-224880 (JP, A)                 JP-A-55-47563 (JP, A)                 JP-A-58-68179 (JP, A)                 Shokai Sho 59-20366 (JP, U)

Claims (1)

(57) [Claims] In the case of an automatic transaction processing device that sends the contents of the withdrawal transaction requested by the customer to the center and inquires it and withdraws the requested amount of cash by the bill / coin processing unit, if the down occurs during the withdrawal transaction A storage means for storing the transaction content of the withdrawal transaction, and after the down that occurred during the withdrawal transaction is completed, transmitting the transaction content stored in the storage means to the center, Means for inquiring whether or not a downed withdrawal transaction has been established; and means for executing a withdrawal operation of the billed amount by the bill / coin processing unit when the withdrawal transaction has been established at the center. An automatic transaction processing device.