JPH01233666A - Automatic transaction processor - Google Patents

Abstract

PURPOSE:To shorten transaction time by electrically transmitting transaction detailed data through a telephone line to customer's facsimile equipment. CONSTITUTION:Plural CDs 2 are connected through an on-line line to a center 1, and the customer files of all the customers are provided for the center 1. This automatic transaction processor stores the telephone numbers of the pieces of customer's facsimile equipment 4 in its storing means and reads the telephone number of the applicable piece of the customer's facsimile equipment 4 after transaction with the customer are completed. The telephone number and the customer can be made correspondent to each other with an account number. Transaction details are electrically transmitted to the facsimile equipment by dialing this telephone number. Thus, time for printing a detailed slip can be eliminated, and the transaction time can be shortened.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of the Invention This invention relates to an automatic transaction processing device for processing customer deposits and withdrawals, and in particular to an improvement in the output method of transaction details.

(b) Prior Art Currently, automatic transaction processing devices are widespread in financial institutions. An automatic transaction processing device is a device that accepts a medium for identifying a customer, such as a card, processes deposits and withdrawals, and issues a transaction statement after the transaction.

(C) Problems to be Solved by the Invention However, unlike a passbook, statement slips require printing not only the customer's bank number, fulcrum number, deposit account number, and handling device number, but also various messages, which takes time to print. There was a problem in that the amount of time required for transactions was increased.

The present invention has been made in view of the current situation, and an object of the present invention is to provide an automatic transaction processing device that solves the above problems by electronically transmitting transaction details to a customer's facsimile machine.

fd) Means for Solving the Problems The automatic transaction processing device of the present invention comprises a storage means for storing the telephone number of a customer's facsimile machine, and a reading means for reading out the customer's telephone number from the storage means after processing the transaction. and an electronic transmission means for electronically transmitting the transaction details to the customer's facsimile machine.

te1 Effect The automatic transaction processing device of the present invention stores the telephone number of the customer's facsimile machine in the storage means. After completing the transaction with the customer, the telephone number of the customer's facsimile machine is read out from the storage means. Phone numbers and customers may be associated with account numbers. Dial this telephone number and send the transaction details to the facsimile machine.

This eliminates the time required to print statement slips and shortens transaction time.

(f) Embodiment Figure 2 shows a CD (automatic withdrawal device) which is an embodiment of this invention.
1 is a diagram illustrating a system for transmitting and receiving transaction details data including: FIG. A plurality of CDs 2 are connected to the center 1 via an online line. The center 1 is provided with customer files for all customers.

The customer file stores data such as deposit account balances and facsimile machine telephone numbers. The center 1 and CD 2 have NCU modem devices (see FIG. 5) and are connected to the public telephone line 3. This allows you to make calls to other telephones if necessary. Further, a customer's facsimile machine 4 is connected to the public telephone line 3.

The facsimile machine 4 can automatically receive the transmitted data.

FIG. 3 is an external view of the CD2. A customer operation panel is provided on the front of the device, a card insertion slot 5 into which a customer's card is inserted is provided on the vertical surface, and an operation panel 6 is provided on the horizontal surface. Figure 4 shows the operation panel 6.
shows a front view. The operation panel 6 includes, from the left, a banknote discharge lower, a function selection key 8. A CRT II and numeric keypad 12 are provided. The function selection key 8 is a balance inquiry key, a withdrawal key, and a statement print key 9. It consists of a detailed transmission key 1o. The statement printing key 9 is a key for printing and emitting a transaction statement slip.
The statement transmission key 10 is a key for transmitting transaction details to a facsimile machine at home.

FIG. 5 is a block diagram of the control section of the CD.

The CPU 20, which centrally controls the entire device, has a ROM 21. RAM that temporarily stores data
22 and an interface 23 to which each operating section is connected.
is connected. The interface 23 includes a customer service display section 249, a bill processing section 25, a card league 26. NCU
A modem section 27, a slip processing section 28, a floppy disk control section 29, and an online control section 30 are connected.

The customer service display section 24 is operated by the function selection key 8. Controls the display and input of the CRTll and numeric keypad 12.

The banknote processing unit 25 collects banknotes to be withdrawn, counts and discharges them in response to customer requests. The card reader 26 reads and writes the customer card inserted through the card insertion slot 5. The NCU modem unit 27 sends the transaction details to the customer's facsimile machine via the public telephone line 31. The slip processing unit 28 prints a transaction details slip as necessary. The floppy disk controller 29 can drive three floppy disks. Each floppy disk contains an electronic journal, customer phone number file,
Transaction details data is formatted as a wire transfer file. Further, the online control unit 30 is connected to the center 33 via a dedicated line, and performs customer authentication, balance confirmation, telephone number inquiry, etc.

6(A), (B), and (C) are set on the floppy disk. It is a diagram showing a directory file, a transaction details data transmission file, and a customer telephone number file. In FIG. 2B, transaction detail data is stored in correspondence with the telephone number of the customer who made the transaction. Each record in this storage area is assigned an address from 1 to n.

This figure (A) shows the transaction details data transmission file (
This is a file that stores the completion/unfinished transmission of each record in (B) of the same figure. A record in which “0” is stored indicates that the transmission has been completed, and a record in which “1” is stored indicates that the transmission has not been completed. The record contained in the transaction details data is read out from the transaction details data transmission file and transmitted to the corresponding facsimile machine.When the transmission is completed, this directory memory is set to "0". When new data is written in the "0" area, "1"° is set again.

Further, (C) in the same figure is a customer telephone number file. Here, each customer's telephone number is stored in association with an account number.

FIG. 1 is a flowchart showing the operation of the control section of the CD. It is determined by nl whether or not a card has been inserted. If the card is inserted, the process proceeds to transaction processing operations from n2 onwards. If no card is inserted, proceed to n17. In n17, it is determined whether the operating time has ended or not, and if it is during the operating time, transaction details data transmission operation using idle time (018
~n22), and if the operation time has ended, the transaction details data transmission operation (n23~
n27).

At n2, the inserted card is checked and the key-in of the password is accepted (n3). If the passwords match, a key-in of the withdrawal amount is accepted (n4), and the transaction is inquired about by communicating with the center (n5). After the transaction is approved, a key-in key is pressed to select whether the transaction detail data will be printed out as a slip or transmitted electronically to a facsimile machine (n6). This selection key-in is performed by pressing the details print key 9 or the details transmission key 10. Thereafter, the card is returned and the operation proceeds according to the selection key-in (n8). In the detailed print discharge operation, a detailed slip is printed at n9 and discharged together with the cash to be withdrawn (nlo). It then updates the electronic journal (nil) and returns to idle operation. In the detailed wire transfer operation, cash is released (n12), and the customer's telephone number is read (n13). This telephone number may be read from a telephone number file or may be received from the center. Next, search the directory for an empty area in which to store this transaction detail data (n14) and store it together with the telephone number in this area (n15). 1) After padding the directory memory in this area (n16)
, update the electronic journal (nil).

On the other hand, in the transaction details data transmission operation below n18, the directory file is first read out (n18), and it is determined whether there is any unsent data (n19). If there is unsent data, the process proceeds to operations from n20 onwards. At n20, one data is read out of the unsent data, the NCU modem section 27 dials a telephone number, and this data is transmitted to the customer's facsimile machine (n21). When the transmission is completed, set “0” to the directory of this data (n22
) Return to nl. If there is no unsent data, the process returns directly from n19 to n1.

When the operating time has ended, the process proceeds to n23, reads the directory file, and determines whether there is any unsent data (n24). If there is any unsent data, it reads all the data (n25), dials the telephone number using the NCLI modem section 27, and sequentially transmits these data to the customer's facsimile machine (n26). Once the transmission is complete, clear all directory memory (n2
7) Finish the movement. If there is no unsent data, the operation ends at n24.

The customer telephone number file corresponds to the storage means of this invention, n13 corresponds to the reading means of this invention, and NCU modem section 27. The transaction details data transmission file and the operations from n17 onwards correspond to the transmission means of the present invention.

(g) Effects of the Invention As described above, according to the present invention, by electronically transmitting transaction statement data to the customer's facsimile machine via a telephone line, there is no need to print statement slips during transactions. Not only can transaction time be shortened, but statements can also be used by customers as a medium.

It is easier to handle because it is not released at the same time as cash. Further, if the wire transfer is performed using the customer waiting time, there is an advantage that the idle time can be effectively utilized.

[Brief explanation of the drawing]

Figure 1 shows a CD (automatic withdrawal device) which is an embodiment of this invention.
Flowchart showing the operation of the control section of the CD.
Figure 3 is an external view of the CD, Figure 4 is a diagram showing the operation panel of the CD, Figure 5 is a block diagram of the control unit of the CD, Figure 6 (A,) ,CB),(C)
is the directory file set on the floppy disk of the same CD. It is a diagram showing a transaction details data transmission file and a customer telephone number file. 9-Details print key, 10-Details transmission key, 27-NCU
Modem section, 32-floppy disk.

Claims (1)

[Claims] (1) A storage means for storing the telephone number of a customer's facsimile device, a reading means for reading out the customer's telephone number from the storage means after processing a transaction, and transmitting the transaction details of the transaction to the facsimile device of the customer. An automatic transaction processing device characterized in that it is provided with a means for transmitting electronic data.