JPH02108156A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To use an electronic bankbook repeatedly by transferring transaction data in the electronic bankbook to the storage part of a processing computer device and then erasing the data. CONSTITUTION:An initialization command generating means generates an initialization command when an initialization indication is supplied from an input means or when the free capacity of the transaction data storage area 34 of the electronic bankbook 30 becomes small. At this time, a transaction data transfer means reads the transaction data out of the electronic bankbook 30 and transfers it to the processing computer device 50 through, for example, an on-line line OL, and the processing computer device 50 stores it in a storage means 53. Then the initializing means of an automatic teller machine 10 deletes the transaction data in the electronic bankbook to initialize the electronic bankbook 30. In this case, the processing computer device 50 prints out the transaction data stored in the storage means 53 by a printing means to increase the storage performance. Consequently, the electronic bankbook 30 can be used repeatedly.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automatic transaction system that uses a so-called IC (integrated circuit) card as an electronic passbook.

[Prior Art] Currently, the amount of data stored in paper passbooks used in financial institutions and the like is equivalent to 4 to 8 kilobytes. In the future, as financial products become increasingly diverse, it will be cumbersome to prepare separate passbooks for each type of financial product, and it will be desirable to store transaction data for multiple financial products in a single passbook. There is a need to increase the amount of data that can be stored in passbooks. However, paper passbooks are printed by automatic transaction equipment, and are meant to be stored for long periods of time, so they must be hard to damage, so the paper should be thicker. Selected. Furthermore, since the passbook is subjected to mechanical processing, it is desirable that the overall thickness of the passbook is thin.

Therefore, paper passbooks are limited to a certain number of inner sheets.

Therefore, as long as paper passbooks are used, it is not possible to significantly increase the amount of data stored. Conversely, this lack of data storage will result in an increase in the number of newly issued passbooks, which has the disadvantage of making passbook management complicated for customers, and for financial institutions, etc., to issue passbooks. There are drawbacks such as a large amount of time being spent on services, which reduces time for other services. Therefore, it is hindering the reduction of total costs in financial institutions, and paper passbooks will not be able to adequately meet the needs of financial institutions to expand services and reduce costs. An electronic passbook using a so-called IC card equipped with a display has been devised, and automatic transaction devices and automatic transaction systems capable of processing the electronic passbook have been proposed. By using an electronic passbook, the amount of data stored can be significantly increased compared to conventional methods (e.g. 8 to 64 kilobytes), and various drawbacks of paper passbooks in terms of data storage can be eliminated. can. Of course, it is configured so that it can realize the basic functions of a bankbook, such as storing transaction data, displaying transaction data, and verifying the identity of the person (paper bankbooks use magnetic stripe data).

[Problem to be solved by the invention] However, although it is possible to increase the amount of data stored by using an electronic passbook made of an IC card, the amount of data stored is determined by the capacity of the memory element used in the IC card. There is a limit, and as you use this electronic passbook, the storage section becomes covered with transaction data. In this case, it may be possible to issue a new electronic passbook, but the number of electronic passbooks owned by the customer increases, and the IC cards used in electronic passbooks themselves are expensive, so the financial institution The total cost increases, and the advantages of using it as a substitute for paper passbooks are halved. Further, even though the IC card itself can be used except for the storage section, its use is discontinued, and it cannot be said that it is being used effectively.

Therefore, it is conceivable to use one electronic passbook repeatedly. In this case, it is necessary to delete the latent transaction data, but if you delete it immediately, the transaction data will be lost and the functionality required of a passbook, such as the ability to store transaction data, will be completely lost. cannot be achieved. Therefore,
In order to preserve the data for a long period of time, the transaction data stored in the electronic passbook's storage section is transferred from the electronic passbook to outside the electronic passbook, and after storage processing such as printing is performed, the transaction data in the electronic passbook is deleted. It is possible to do so.

However, the process of transferring transaction data in an electronic passbook to an external location and saving it (for example, printing it) takes a lot of time because the amount of data stored in the electronic passbook is large, and it is difficult to carry out such processing. This creates an inconvenience in that bank employees and customers are unable to perform other operations while the bank is doing so. Therefore, there is a lot of waste in terms of cost per hour, which hinders the reduction of total cost and may lead to deterioration of service.

The present invention has been made in consideration of the above points, and enables repeated use of an electronic passbook by erasing transaction data in the electronic passbook after transfer, and also enables such repeated use. The purpose of the present invention is to provide an automatic transaction system that can improve the overall transaction processing capacity without requiring a large amount of time for other processing.

[Means for Solving the Problems] In order to solve the problems, in the present invention, an electronic passbook made of an IC card is inserted into an automatic transaction device to perform transaction processing, and transaction data regarding the transaction processing is transferred to the electronic passbook. The automated trading system for storing data was configured as follows.

That is, an initialization command generation means for generating an initialization command for an electronic passbook in an automatic transaction device, and in an initialization mode,
transaction data transfer means for extracting transaction data from the electronic passbook and transferring it to a processing computer device of a central processing center;
Initialization means is provided for initializing the electronic passbook by erasing the transaction data in the electronic passbook after the transfer is completed.

Further, the processing computer device is provided with a storage means for storing transaction data transferred from the automatic transaction device.

In addition to this storage means, it is preferred that the processing computer device is provided with printing means for printing the transaction data stored in this storage means.

[Operation] The initialization command generating means generates an initialization command when an initialization command is given from the input means or when the free space in the transaction data storage area of the electronic passbook becomes low. At this time, the transaction data transfer means extracts the transaction data from the electronic passbook and transfers it to the processing computer device, for example, via an online line or in the form of a storage medium, and the processing computer device stores it in the storage means. When such a storage process is completed, the automatic transaction device initialization means,
Initialize the electronic passbook by erasing the transaction data in the electronic passbook.

In this case, the processing computer device prints the transaction data stored in the storage means using the printing means, thereby further improving the storage stability.

[Example] Hereinafter, an example of the present invention will be described in detail with reference to the drawings.

Here, FIG. 1 is a block diagram showing the overall configuration of the automatic transaction system of this embodiment, FIG. 2 is an explanatory diagram showing the flow of transaction data in this system, and FIG. 3 is an illustration of the automatic transaction device 10. FIG. 4 is a plan view showing the operation surface of an IC card as the electronic passbook 30, and FIG. 5 is a perspective view showing the external appearance of the IC card. FIG. FIGS. 6 and 7 are flowcharts showing the process of transferring data to the device 50, respectively. FIGS. 3 is a flowchart showing processing in each processing computer device 50. FIG.

Before explaining the configuration of each part of the automated trading system of the system, the features of the automated trading system of this embodiment will be explained using FIG. 2.

The automatic transaction device 10 of this automatic transaction system includes a customer 1
An IC card-based electronic passbook 30 owned by the bank is inserted, and various transactions such as deposits, withdrawals, and balance inquiries are performed, and transaction data representing the transaction details is stored in the electronic passbook 30 for each transaction. This amount of transaction data is
When the maximum storable amount of 0 is approached, or when the customer 1 desires a list of transaction data and initializes the electronic bankbook 30, the automatic transaction device 10 initializes the electronic bankbook 30.

At this time, it is desirable to initialize the electronic passbook 30 while preserving transaction data, rather than simply initializing it.

Therefore, the automatic transaction device 10 transfers the transaction data stored in the electronic passbook 30 via the online line OL or the storage medium REC to the processing computer device 50 of the central processing center, and then transfers the transaction data stored in the electronic passbook 30 to the processing computer device 50 of the central processing center. Transaction data within 30 will be deleted.

The transferred processing computer device 50 prints the transferred transaction data in consideration of the convenience of the customer 1. The paper 2 on which such transaction data is printed is
It is delivered to customer 1 by mail or distribution from the central processing center, and becomes available to customer 1.

The feature of this embodiment is that the automatic transaction device 10 itself can initialize the electronic passbook 30 and print (save) the transaction data up to that point without performing the printing (storing) process. be.

11i: I System-, In the following, the overall configuration of the automatic transaction system in this embodiment, which can realize the above-mentioned transaction data flow accompanying the initialization of the electronic passbook 30, will be explained in detail with reference to FIG. Describe.

In FIG. 1, an automatic transaction device 10 is installed in a part of a financial institution such as a bank or a large store, and an electronic passbook 30 made of an IC card is inserted into the automatic transaction device 10. The system is configured to execute predetermined processing using the following commands.

Further, the automatic transaction device 10 executes processing while exchanging data as necessary with a processing computer device 50 of a central processing center connected via an online line OL.

The automatic transaction device 10 has the following external appearance as shown in FIG.
The operation surface is equipped with a configuration that enables an interface with customers and allows exchange of banknotes, electronic bankbooks 30, forms, etc. with customers.

In other words, it represents the card insertion/ejection port 11 into which the electronic passbook 30 and magnetic cards are inserted and ejected, and various keys such as a numeric keypad and a display that informs the customer of the processing status and provides operation guidance to the customer. A display section 12 consisting of, for example, a CRT display for displaying information, an operation section 13 consisting of a touch sensor that detects which key the customer has pressed on keys such as a numeric keypad displayed on the display section 12, and banknotes. A banknote transaction port 14 for taking in banknotes and ejecting bills and forms, a coin transaction port 15 for taking in and ejecting coins, and a paper bankbook insertion/ejection port 16 for inserting and ejecting paper bankbooks are provided.

The operation of each of these sections is controlled by a main control section 17 shown in FIG. Note that FIG. 1 does not show all of the parts that are obvious from the outside, but only the parts that are directly related to the present invention. Furthermore, the main control section 17 here also includes a program storage section.

When the card inserted from the card insertion/ejection port 11 is an electronic passbook 30, this electronic passbook 30 is inserted into an electronic passbook reader/
The electronic passbook reader/writer section 1-8 is transported to the writer section 18, and is connected to the interface section 18a of the electronic passbook reader/writer section 1-8.
30 is connected to the interface section 31, and data can be exchanged.

Further, the automatic transaction device 10 includes one temporary storage section and a data matching section 20. One of the - hour storage units is connected to the main control unit 1.
The data matching section 20 temporarily stores transaction data received from the electronic passbook 30 via the electronic passbook reader/writer section 18 under the control of the main control section 17. The transaction data stored in one temporary storage section is compared with the transaction data stored in the electronic passbook 30.

Temporary storage unit 1 after being verified by data verification unit 20
The transaction data stored in 9 is given to the external storage device 21 under the control of the main control unit 17 and stored in a storage medium, and is also sent to the central processing center via the external interface unit 22 and online line OL. The information is transferred to a processing computer device 50.

The electronic passbook 30 inserted into such automatic transaction device 10 is
Externally, it has an operation surface shape as shown in FIG. 4, and functionally, it has a configuration as shown in FIG. 1.

Control of each part in the electronic passbook 30 and control of data exchange with the automatic transaction device 10 are executed by a central processing unit (CPU) 32 according to a program stored in a program storage section 33. Transaction data such as items such as ordinary deposit accounts and time deposit accounts, transaction details such as deposits and withdrawals, and transaction history are stored in the transaction data storage unit 34, and this transaction data is stored in the transaction data storage by the CPU 32 as necessary. 34. Customer data necessary for verifying whether the customer is the person in possession of the electronic passbook 30 is stored in the customer data storage section 35.

This electronic passbook 30 is used by being inserted into the automatic transaction device 10, and is also used independently of the automatic transaction device 10, so that the customer can operate the electronic bankbook 30 directly. It includes a switch section 36 and a display section 37. For example, when checking only the transaction history, the electronic passbook 30 can be used without being inserted into the automatic transaction device 10.

Note that the main power supply 38 and the backup power supply 3 are used as power supplies to supply the necessary power supply voltage to each part of the electronic passbook 30.
9 are available. The main power source 38 is, for example, a solar cell, and therefore, as shown in FIG. 4, the light receiving surface 38a is exposed to the outside.

The backup power source 39 is composed of, for example, a lithium battery.

Specifically, the operation switch section 36 includes the following switch keys provided on the surface of an insulating card board 40. That is, a transaction key 36a that is pressed when using the electronic passbook 30 for a transaction, an inquiry key 36b for inquiring transaction data and balances, and a start key 36c that is pressed when using the electronic passbook 30. , the so-called numeric keypad 36d, the four arithmetic operation keys 36e, and the clear key 3 used when you want to cancel part of the input content, such as when you make an incorrect input.
6f, an all clear key 36g which is used when not all input contents are cleared, such as when an incorrect input is made, and an execution key 36h which serves as a break between inputs, and these keys are pressed as appropriate. By doing so, the desired command signal can be
The information is given to the PU 32 to bring the electronic passbook 30 into a desired state.

For example, when a customer uses the electronic passbook 30 for a transaction,
First, press the start key 36c to turn on the electronic passbook 30, then press the transaction key 36a, and then,
By inputting the password using the numeric keypad 36d, the electronic passbook 30 can be used for transactions, and transaction data can be stored in the transaction data storage section 34. In this situation, automatic transaction device 1
Inserted into 0. Further, when referring to transaction data in the electronic passbook 30, after pressing the start key 36c, pressing the inquiry key 36b and inputting the PIN number using the numeric keypad 36d, the transaction data is displayed on the display section 37, From now on, each time the execution key 36h is pressed, the next transaction data is displayed.

In this way, the customer can confirm the contents of individual transaction data, transaction history, etc., and can also determine whether printing is necessary.

Next, the configuration of the processing computer device 50 of the central processing center will be explained.

As described above, this processing computer device 50 is connected to the automatic transaction device 10 via the online line 01- so that data can be exchanged, and therefore an external interface unit connected to the online line OL is connected to the automatic transaction device 10 through the online line 01-. 51 is provided, and this interface section 51 is controlled by a main control section 52 to exchange data. Note that control of each part of the processing computer device 50 is executed according to a program stored in a program storage section included in the main control section 52.

The storage unit 53 stores transaction data transferred from the automatic transaction device 10. The transaction data stored in the storage section 53 is provided to the format printing control section 54 at a predetermined timing under the control of the main control section 52. The format printing control section 54 edits the transaction data into a predetermined printing format and provides it to the printer device 55, and the printer device 55 prints the edited transaction data.

Note that this processing computer device 50 is provided with a data reading device etc. 6. The data reading device 56 reads transaction data stored in a loaded storage medium under the control of the main control section 52 and provides the transaction data to the storage section 53 for storage. In the case of this embodiment, the automatic transaction device 1o and the processing computer device 50 are connected via an online line OL, and this online line OL
In principle, transaction data is exchanged via a storage medium, but transaction data regarding the automatic transaction device 10 is also provided to the processing computer device 50 via a storage medium, and the data reading device 56 Used in cases.

- 30 banknotes (a) Processing in the automatic transaction device 10 (and electronic passbook 30) Next, the contents of the transaction data storage unit 34 of the electronic passbook 30 are erased in order to use the electronic passbook 30 repeatedly. Initialization processing will be explained.Here, the initialization processing will be mainly explained with regard to the processing of the automatic transaction device 1o while also considering the processing of the electronic passbook 3o.The processing in the processing computer device 5o will be described later. do.

When a customer wishes to execute a transaction using the automatic transaction device 10, the customer presses the start key 36 of the electronic passbook 30 as described above.
c is pressed to turn on the power of the electronic passbook 30, and then the transaction key 36a is pressed, and then the electronic passbook 30 is made ready to be used for transactions by pressing the transaction key 36a and then inputting the password using the numeric keypad 36d. The electronic passbook 30 in the state is inserted into the card insertion outlet 1 of the automatic transaction device 10.
Insert into 1. When the main control unit 17 of the automatic transaction device 10 detects insertion by an insertion detection sensor (not shown) provided in the card insertion/ejection port 11, the main control unit 17 pulls in the electronic passbook 30, transports it to the electronic passbook reader/writer unit 18, and transfers the electronic passbook 30 to the interface unit. 18a and 31 are connected to each other so that data can be exchanged, and in this connected state it is determined whether the electronic passbook 30 is appropriate and whether the customer is authorized to make transactions ( Steps 101.102).

One such confirmation method is, for example, verification of a personal identification number performed by the electronic bankbook 30.

As a result of this determination, if it is determined that the transaction cannot be executed with this electronic bankbook 30, the electronic bankbook 30 is discharged and the process returns to step 100 described above (step 103).

On the other hand, if it is determined that the electronic bankbook 30 is transactable, it is determined whether the transaction data storage section 34 of the electronic bankbook 30 is in a near-end state (step 104). Here, the near-end state refers to a state in which the recorded capacity of the transaction data storage unit 34 will soon become latent; for example,
This refers to a state in which approximately 90% of the maximum storable capacity has been exceeded.

As a result of this determination, if it is determined that the transaction data storage unit 34 is not in the near-end state 73, the main control unit 17
After that, a guidance screen is displayed on the display section 12 in which items such as "ordinary deposit J", "time deposit", etc. are arranged, and the customer selects and inputs them using the operation section 13 in accordance with this. Import subject information (steps 105 to 10)
7).

Next, the main control unit 17 causes the display unit 12 to display transaction items T1 to T4 such as deposits and withdrawals for the selected item, as shown in FIG.
The selected and input transaction item information is stored using (steps 1o8 and 1o9).

In this embodiment, no matter which item is selected, the transaction item T4 "Initialize electronic bankbook" can be selected at that stage, as shown in FIG. In other words, transaction data for a particular item in the electronic bankbook 30 can be initialized according to the customer's intention.

The main control unit 17 determines what the selected transaction item is, and selects items T1 to T3 other than the “electronic passbook initialization” item.
is selected, the process proceeds to the process corresponding to the selected item, and on the other hand, if the "electronic passbook initialization" item T4 is selected, the process proceeds to step 112 (step 110.11).
1).

This step 112 is a process for checking whether initialization is necessary even though the initialization process has been selected. If it is not stored, it is assumed that there is no need to initialize the electronic bankbook 30, and the ejecting process of the electronic passbook 30 is executed to end the series of processes (step 113).

On the other hand, transaction data is stored in the transaction data storage unit 34,
When determining that initialization is possible, the main control unit 17 sends a transfer command signal to the electronic passbook 30 based on the customer's instruction including account information, etc., and then displays on the display unit 12 a message indicating that initialization is in progress based on the customer's instruction. A display to that effect is executed (steps 114 and 115).

Transaction data storage unit 34 in step 103 described above
As a result of determining whether or not the near-end state is present, if it is determined that the main control unit 17 is in the near-end state, the main control unit 17 sends a transaction permission signal to the electronic bankbook 30, and further sends a transfer command signal by memory near-end ( Step 116.1
17). After that, a guidance screen is displayed as shown in FIG. 7 indicating that the initialization process is in progress due to the memory near-end state (step 118).

After displaying the initial JtlJ conversion process in step 115 or step 118 described above, the main control unit 17 transfers the transaction data stored in the transaction data storage unit 34 of the electronic passbook 30 to the automatic transaction device 10. The data is transferred to one temporary storage section, and then the data matching section 20 matches the transaction data in the transaction data storage section 34 with the transferred transaction data stored in the temporary storage section 19, and the matching results are imported and unified. It is determined whether or not they match (steps 119 to 121). If the comparison result indicates that they do not match, the main control unit 17 performs step 11 described above.
Go back to step 9 and retry the transfer. On the other hand, if it is determined that they match, the transaction data stored in one storage unit is given to the external storage device 21 to be stored in the storage medium, and the external interface unit 22 is activated to open the online line OL. The data is transferred to the processing computer device 50 of the central processing center via the computer (steps 122 and 123).

Thereafter, the main control unit 17 determines whether or not the transaction data in all areas to be initialized in the transaction data storage unit 34 have been transferred or stored in a storage medium, and if the transaction data has not been completed, returns to step 119 described above (step 124). Please note that the online line for transaction data is
Transfer via L and storage on a storage medium are performed not only for transaction data but also for customer data such as account numbers.

When determining that all transaction data has been transferred online, stored on a storage medium, etc., the main control unit 17 transfers the transferred transaction data to the time storage unit 19 in the electronic passbook 30. Clear the area of the transaction data storage section 34 to delete the transaction data (Step 1)
25). After that, a display is displayed to inform the customer that the initialization process has been completed and to select whether or not to print out the erased transaction data, and to guide the customer to perform an input operation, and it is determined whether or not the customer has selected printing. (steps 126 and 127).

When a print output is requested, a print command is sent to the processing computer device 50 of the central processing center, and the print command is also stored in the storage medium loaded in the storage device 21, and then the print output is requested. If not, the electronic bankbook 30 is immediately ejected from the card insertion/ejection port 11, and the series of processes is completed (step 128.113).

(b) Processing computer device 5 to which transaction data is given to the processing device in processing computer device 50 of the central processing center.
The processing in 0 will be explained.

First, processing when transaction data is provided from the automated teller machine 10 via the online line OL will be described with reference to FIG. 8.

The main control unit 51 of the processing computer device 50 waits for the transaction data to be transferred. When the transaction data is transferred, the main control unit 51 of the processing computer device 50 provides the transaction data to the storage unit 53 for storage, and then prints the transaction data. Determine whether a command has been given from the automated transaction device 10 (steps 140 to 142
). If it is determined that the print command has not been given, the main control unit 52 stores the transferred transaction data, so that the amount of transaction data stored in the storage unit 53 corresponding to the electronic passbook 30 should be printed. It is determined whether the amount of data has been reached (step 143).

If a negative result is obtained in this case, the main control unit 52 ends the series of processing.

When a print command is given, or when the amount of transaction data stored in the storage section 53 reaches the amount of data to be printed, the main control section 52 formats and prints the transaction data. unit 54 for editing and printing by printer device 55 (steps 144 and 145).
. Thereafter, it is determined whether there is any remaining transaction data to be printed, and if so, step 144 described above is performed.
Return to , and if there are none left, end the series of processing (
Step 146).

Next, processing when transaction data is provided in the form of a storage medium from the automated teller machine 10 will be described with reference to FIG. 9.

The main control unit 51 of the processing computer device 50 starts processing when a storage medium storing transaction data is loaded into the data reading device 56, and determines whether the storage medium is normal or not. However, if the medium is not normal, the process returns to step 150 and waits for a normal storage medium to be loaded (steps 150, 151). When a normal storage medium is loaded in this way, the main control unit 5
2 reads the transaction data from the storage medium, and provides the read transaction data to the storage section 53 for storage (steps 152 and 153).

Thereafter, the main control unit 17 processes the transaction data in the same way as when the transaction data is given via the online line OL, and executes printing processing as necessary based on the customer's instructions or the storage capacity of the storage unit 53. (Stemp 154-158).

In the case of the above-mentioned embodiment, since the automatic transaction device 10 and the processing computer device 50 of the central processing center are connected via the online line OL, transaction data is basically transferred via the online line OL. Therefore, the processing shown in FIG. 8 is performed in principle, and the processing shown in FIG. 9 is performed supplementarily.

First Look As described above, according to the above-described embodiment, the customer can print transaction data at any time, and the transaction data in the electronic passbook 30 can be printed out before the transaction data is latently recorded in the storage unit 34. Transaction data can be automatically printed on the printer, and printed materials can be reliably obtained for archival purposes. At this time, the transaction data in the storage unit 34 is also erased, so that the electronic passbook 30 can be used repeatedly, making effective use of the electronic passbook 30, and contributing to the reduction of total costs at financial institutions. be able to.

In this way, the printing process of transaction data, which is a mechanical process and takes time, is not performed in the automatic transaction device, but is sent to the central processing center and is performed in the processing computer device 50, so that the customer can automatically print the transaction data. It is possible to prevent customers from having to wait for a long time in front of the transaction device 10, and it is also possible to shorten the average processing time of the automatic transaction device 10 per customer, thereby speeding up the customer turnover. rate can be improved.

In the above-mentioned embodiment, the automatic transaction device 10 is capable of transferring transaction data to the processing computer device 50 through an online line OL or a storage medium. Transaction data may be provided to processing computer device 50 by only one method. That is, data transmission may be performed using an online method. Note that the data transmission using the online line OL may be either transmission according to the online real-time method or transmission according to the batch method. Furthermore, the storage medium used for data transmission may be of either a magnetic type or an optical storage type.

In addition, in the above example, the customer selects initialization after selecting a subject, and initialization can only be performed for each subject, but it is possible to instruct initialization for all subjects with a single operation. You can do it like this.

In addition, the automatic determination based on data presentation as to whether or not to initialize is performed regardless of the subject.
．． You may decide to make a judgment for each subject.

Furthermore, in the above-mentioned embodiment, it is shown that the transaction data such as deposits, withdrawals, etc. is determined whether or not to be transferred before processing such as deposits, withdrawals, balance inquiries, etc. After the processing in which transaction data is added, it may be determined whether the transaction data should be transferred or not.

Furthermore, in the above-mentioned embodiments, the automatic transaction device in the automatic transaction system of the present invention is of the customer-operated type, but it may also be of the teller-operated type, and furthermore, it may be of the teller-operated type. It may be targeted.

It can also be applied as a system, for example, to so-called credit card systems and point-of-sale (POS) systems in which IC cards are used to store transaction data; The present invention can also be applied to electronic passbooks in Japan and those handled as storage cards in point-of-sale systems. Note that the term "electronic passbook" in the claims is a concept that includes such modifications.

[Effects of the Invention] As described above, according to the present invention, when an IC card storing transaction data is inserted into an automatic transaction device and the conditions for initializing the IC card are satisfied in this state, the information in the IC card is The transaction data is transferred to the automated teller machine and then to the processing computer in the central processing center where it is stored and at least the transaction data in the IC card is erased, so the IC card can be used repeatedly and used effectively. This allows the entire system to be made inexpensive. Further, since the processing computer device is used as the destination for escaping the transaction data of the IC card, the burden on the automatic transaction device is small and the processing efficiency of the automatic transaction device is not reduced.

Therefore, by printing the transferred transaction data in the processing computer device, the transaction data can be stored in a visually recognizable state for a long period of time even if it is erased from the IC card. The utility value can be increased.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing the overall configuration of an embodiment of an automatic transaction system according to the present invention, FIG. 2 is an explanatory diagram showing the flow of transaction data in this system, and FIG. 3 is an external appearance of the automatic transaction device 10. FIG. 4 is a plan view showing the operation surface of the electronic passbook 30, and FIG. 5 is a flowchart showing a process in which the automatic transaction device 10 extracts transaction data from the electronic passbook 30 and transfers it to the processing computer device 50. , FIG. 6 and FIG. 7 are route maps showing examples of screens displayed on the display unit 12 during the processing, and FIGS. 8 and 9 are flowcharts I and 9 showing the processing in the processing computer system N50, respectively. be. 10... Automatic transaction device, 17... Main control unit, 1.8
...Electronic passbook reader/writer section, 19...-Time storage section, 20... Data collation section, 21... External storage device, 30... Electronic passbook, 32... CI) U, 34・・・
- Transaction data storage unit, 50... Processing computer device of central processing center, 52... Main control unit, 53... Storage unit, 54... Format [-Printing control unit, 55...
- Printer section, 56...data reading device. An explanatory diagram showing the flow of transaction data in the example system. 2) Figure 9

Claims (2)

[Claims] (1) In an automated transaction system in which an electronic passbook consisting of an IC card is inserted into an automated transaction device to perform transaction processing, and transaction data related to the transaction processing is stored in the electronic passbook, the automated transaction device is provided with the electronic passbook. an initialization command generation means for generating an initialization command; a transaction data transfer means for extracting transaction data from the electronic passbook and transmitting it to a processing computer device of a central processing center in this initialization mode; An initialization means for initializing the electronic passbook by erasing the transaction data of the electronic passbook is provided, and the processing computer device is provided with a storage means for storing the transaction data transferred from the automatic transaction device. Automated trading system. (2) The automatic transaction system according to claim 1, wherein the processing computer device includes, in addition to the storage means, a printing means for printing transaction data stored in the storage means. .