JPH01237761A - Automatic cash transaction machine and its method - Google Patents

Abstract

PURPOSE:To easily execute processing when the retrieval processing of transacting contents is executed due to a trouble, etc., by providing a display means, an optical reading means and a control means. CONSTITUTION:A customer selects transaction from a panel 7 according to the introduction of a display 3, inserts a card 17 to a reading device 3 and sends data to a control part 8. The control part 8 checks the data and after that, shows a desired payment amount on the display 6. The customer depresses an executing key after confirmation. The control part 8 receives a transactable signal and after that, drives a bank note incoming and outgoing device 5 and the payment is started. The card is sent to an optical reading device 2 and a character is read by a sensor 18. Then, picture data are removed through an amplifier 21 and an A/D converter 22 and sent through a sensor control part 20 and an encoding and compressing part 23 to the control part 8. The control part 8 writes the picture data of the control part 20 to a storing part 8 together with transaction processing data which are received from a center. When the picture data are received, the control part 8 instructs the discharging of the card to the reading device 3 and when the card is put away by the customer, bank notes are discharged. When the trouble is generated, a bank stuff executes key operation from the panel 7 and checks the device.

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application] The present invention relates to an automatic teller machine used in financial institutions and the like, and particularly relates to retrieval of transaction information.

[Conventional technology]

Regarding the automated teller machine fllK, which optically reads the characters written on the card, as described in Japanese Patent Publication No. 62-548, by printing the transaction details and card image information for each transaction on journal paper, I was supposed to leave a transaction am.

Therefore, if a trouble occurs regarding a transaction using an automatic teller machine, the details of the transaction are checked on the journal paper and the authentication card used is checked to see if it is normal.

Furthermore, continuous paper is used for the journal paper, which is rolled up each time the transaction history is printed, and the printed journal paper is removed and stored, and new journal paper is reinstalled. O [Problems to be Solved by the Invention] The above-mentioned conventional technology prints and stores card image information together with transaction information in a journal, but does not take into consideration the operability of subsequent search processing. There is a problem in that the operability deteriorates when processing is performed in five rows.

Specifically, in the above-mentioned conventional technology, transaction information and image information are recorded on journal paper. Journal paper typically has a capacity for approximately 600 transactions and is retractable. When a transaction-related trouble occurs, when attempting to search for predetermined transaction information from the contents recorded on the journal paper, it is necessary to search manually from the rolled up journal paper, making the search operation extremely troublesome.

SUMMARY OF THE INVENTION An object of the present invention is to facilitate searching for transaction details due to the occurrence of a trouble or the like.

(Means for solving llill) The above purpose is to use a personal authentication card such as a magnetic card.
In an automated teller machine that performs transactions, a display means for displaying guidance, etc., an optical reading means for optically reading information on the card, and a correspondence between the read me information and transaction information such as an account number.・Search the storage means and the stored contents of the storage means based on the specified transaction information, successively display image information corresponding to the specified transaction information, and display it on the display means. This is achieved by having a control means for controlling the temperature to such an extent.

[Effect]

Image information obtained by optically reading the Qing N on the card and transaction information are stored in correspondence with each other, and when performing a search process, specified transaction information is specified, and the specified transaction information is used as a key to store the above information. Since the content is searched and image information corresponding to the transaction information is displayed, the search process can be performed by pressing only one predetermined key from the operation panel, making the search operation easy.

Furthermore, in the present invention, since transaction information and image information are not recorded on journal paper, journal paper, journal printing mechanism, etc. are not required.

Accordingly, processing time for imprinting is also unnecessary, and transaction processing time is shortened.

Furthermore, if unmanned operation is to be implemented using an automatic teller machine, the problem of journal paper replenishment will also be resolved.

〔Example〕

An embodiment of the present invention will be described below with reference to FIGS. 1 to 5.

FIG. 2 is a schematic diagram of the automated teller machine of the present invention. The automatic teller machine 1 has a card reader 3, a BAIm slip,
Passbook printing machine 41, banknote withdrawal machine 5, guidance display 6,
It is composed of an operation panel 7, a control section 8, and a storage device 9. The card reader 5 has an optical reader 2 built-in, and magnetically reads the password etc. recorded invisibly on the card, and also optically reads information such as enobos characters on the card.

The statement slip/passbook printing mechanism 4 prints transaction details and the like on the entire statement slip or passbook. The control section 8 controls each mechanical section. The storage device t9 stores transaction details.

FIG. 3 is a block diagram showing the components of the automated teller machine @1. The card reader 3 is composed of a magnetic stripe league writer 11 and an optical reader 2. Statement/
The pass printing machine 4 is constructed in parallel with the statement slip printing machine 152 and the passbook printing machine 12. The control unit 8 sends and receives transaction data to and from a center combinator (not shown) via the line control mechanism 151 and the line 16.

The control section 8 includes an expansion processing section 14 for reproducing all the image data read from the storage device 9.

The bill depositing and dispensing machine 5, the guidance display 6, and the operation panel 7 are each connected to a control section 8.

FIG. 4 is a block diagram of the optical reader 2 for the card 17. Image sensor 18. Light source 19. Sensor control unit 20. Amplifier 21. A/D converter 22. The encoder and compressor 25 is also configured.

In the above configuration, the operation of each part when a user performs a payment transaction will be explained with reference to FIGS. 2, 3, and 4.

The user selects a payment transaction from the guidance operation panel 7 of the guidance display 6, inserts the card 17 into the card reader 3, and the card is conveyed and the magnetic stripe league writer 11 reads the PIN number.

Data such as the account number is read and sent to the control unit 8.

The control unit 8 checks a series of input information such as the password entered through the operation panel 7 and the desired payment amount, and then displays the desired payment amount on the guidance display 6Vc, and after the user confirms this, Press the transaction execution key on the operation panel 7. The controller 8 then sends the data necessary for transaction processing to the center via the machine 1s16. Is the center reception L? , = data, J! customer information file (
(not shown) and then transmits the transaction processing data that allows the transaction.

The control unit 8 receives the transaction processing data indicating that the transaction is possible (IK) and operates the multi-billion dollar dispensing machine 5 to start the bill payment operation.Meanwhile, the card read into the card reader 5 is transferred to the optical reader 2. The image sensor 181119t of the optical reader 2 is activated by the sensor control unit 20, the entire character portion on the surface of the card is read by the image sensor 18), and the amplifier 21. The A/D converter 22 extracts the character part as image data of a multi-FIII digital signal, the sensor IIJ m section 20 and the encoding/compression section 25 compress the image data, and the control section 8
send to

The encoding/compressing unit 25 can be easily implemented using a method such as a Hakuman code used in facsimile and the like. Senna control unit 20
After reading the characters on one card, the operation of the image sensor 18 is stopped and the light source 19t is turned off.

Based on the transaction processing data received from the center, the control section 8 writes and stores the compressed and digitized image data of the card in the storage device 9 along with the lottery number and transaction details.

Further, when the control unit 8 receives the compressed and digitized image data and at the same time instructs the card reader 5 to eject the card, the card reader 3 reverses the conveyance path and inserts the card in the optical reader 2 into the insertion slot. When the user receives the card, one banknote is discharged to the banknote withdrawal port, and the transaction operation is completed.

As described above, each time a transaction is completed, the automated teller machine records in the storage device 9 not only the details of the transaction but also compressed and digitized image data of the card when the card is used.

Next, a method for retrieving transaction records when a trouble occurs between a user and a financial institution regarding a transaction using an automated teller machine will be explained using FIGS. 1 and 5.

FIG. 5 shows an example of transaction details 5o for one transaction, with bank number 310. Branch number 520, 0-location number 53o, transaction type code 540, transaction amount $11,550. Transaction date 56o, transaction time 57o, store number 38
0, card image data 590.

The transaction details 5o are sequentially stored in the storage device t9 for each transaction.

Figure 1 is a chart showing the procedure for searching transaction records.
The details of the search procedure in this figure will be explained.

When a trouble occurs regarding a transaction, the staff member at the financial institution uses the staff key 10 on the front of the automated teller machine 1 used for the transaction to move it to the staff use mode in order to search for the relevant transaction. Step 100). When the staff use mode is entered, the screen of the guidance display 6 switches to the staff processing screen.A key for selecting the search process is specified on the staff processing screen.Press the specified key from the operation panel 7. Then, when the search mode is selected, the screen changes to a search keyword input screen (step 110). Search keywords include bank number of transaction details 50, branch number 2, locus number,
The transaction type code, transaction amount, 2 years, month, day, 1 time, and transaction number are input using the keys on the operation panel 7 (step 120). One or more keywords can be specified, and after completing the input, the key corresponding to the search start button is input on the operation panel 7.

The control unit 8 sequentially reads out the transaction details 50 from the beginning of the storage device 9 (step 150), checks whether the transaction details satisfy the keyword conditions, and searches for the corresponding data (step 150).
Step 140). When the control unit 8 finds the corresponding data, it extracts the entire image data section from the corresponding transaction details 30, and the decompression processing unit 14 performs decompression processing so that the compressed data can be reproduced as a card image (step 1).
50), edit the transaction details 50 so that they can be displayed on the guidance display 6 (step 160), and display them on the guidance display 6 (step 170). It is a well-known fact that decompression processing is a type of compression processing that is carried out in facsimiles and the like. Since the contents of the transaction details 50 are mainly displayed, the clerk can easily confirm whether or not the transaction has caused a problem (step 180). You can also check the card used. If the displayed content is not related to the transaction in which the trouble occurred, press the operation key 7 or the key instructing the continuation of the search to
can display the corresponding transaction contents from the transaction contents next to the corresponding data in the memory bag w9 through the same process as above.

In addition, if you want to print out the corresponding transaction details displayed on the guidance display 6 (step 190), press the operation key 7.
) By inputting the key for requesting RJ output (Status tab 200), the control unit 8 transmits the expanded image data part of the transaction content data to the statement/passbook printing mechanism 4, and the statement printing mechanism 13 outputs the data. , printing the transaction details on the statement slip,
The written characters on the card can be reproduced (step 210). Thereafter, the transaction contents 30 that meet the conditions of the input and designated keywords are successively read out from the storage device 9 and displayed in the same manner.

Print output is possible.　　□ As mentioned above, search is performed in addition to transaction details.

The characters written on the card used can also be output, and there is no need for one line of imprinting, which was conventionally used, so journal paper is no longer necessary.

In addition, the processing time required for bank transfer and imprinting is no longer necessary, and the transaction processing time is shortened.

Furthermore, when trying to implement unmanned operation with an automated teller machine, the operation of replenishing journal paper becomes unnecessary. Furthermore, since the search process can be performed automatically without manual intervention, the corresponding transaction can be found in a short time.

In addition, there is no need to search for the details of the corresponding transaction using journal paper as in the past, and the search can be easily performed by key operation.

Furthermore, if output as evidence is required, the contents displayed on the guidance display can be printed on the statement slip, thereby making it possible to output the transaction contents and reproduce the written characters on the card.

Although the transaction record data for one transaction also includes card image data, the amount of data can be reduced to a very small amount through digital encoding and compression processing, and even the storage device in an automatic teller machine can store only a very large amount of data. transaction records can be stored, but when it is full, the line control mechanism will store 151 times m1.
6 to the center combination, and is stored in the center's mass storage device W! tIc can also be stored. Furthermore, when the data is full, it can be stored in a replaceable storage medium such as a flexible disk.

〔Effect of the invention〕

According to the present invention, there is an effect that search processing for transaction details is facilitated.

[Brief explanation of the drawing]

FIG. 1 is a 70-chart of the search process of the present invention. FIG. 2 is a schematic diagram of the automated teller machine of the present invention. FIG. 5 is a block diagram showing the components of the automatic teller machine of FIG. 2. FIG. 4 is a block diagram of the optical reader. FIG. 5 is a diagram showing an example of transaction details showing a transaction record. 1... Automatic teller machine, 2... Optical reader, 3.
...Card reader, 4. Statement/passbook printing machine, 5. Bill deposit/withdrawal machine, 6. Guidance display, 7. Operation panel, 8. Control unit,
9...Storage device, 10...Attendant key. horse 1

Claims (1)

[Scope of Claims] 1. In an automated teller machine that performs transactions using a personal authentication card such as a magnetic card, there is provided a display means for displaying guidance, etc., and an optical reading means for optically reading information on the card. , a storage means for storing the read image information and transaction information such as account number in correspondence for each transaction; and a storage means for searching the storage contents of the storage means based on the specified transaction information, and searching for the specified transaction information. An automated teller machine comprising: a control means for reading image information corresponding to the information and controlling the display means to display it on the display means. 2. The automated teller machine according to claim 1, wherein the specification of the transaction information is performed by an operation section for performing transaction operations. 3. The automated teller machine according to claim 1, wherein the read image information is printed on a statement slip for recording details of the transaction. 4. The automated teller machine according to claim 1, wherein the read image information is displayed on the display means together with the specified transaction information. 5. The automated teller machine according to claim 3, wherein the read image information is printed on the statement slip together with the specified transaction information. 6. The specification of transaction information by the operation unit is performed based on the guidance displayed on the display means set for use by the staff using a staff key on the front of the device, and based on the guidance for the staff. Automatic cash transaction devices in scope 2. 7. In automatic cash transaction methods in which transactions are carried out using a personal authentication card such as a magnetic card, the information on the card is optically read and the read image information is matched with transaction information such as an account number for each transaction. 1. An automatic cash transaction method, comprising: storing the stored contents in a computer, searching the stored contents based on specified transaction information, and reading and displaying image information corresponding to the specified transaction information.