JPH0324688A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To shorten the suspending time of a transaction device by executing a transaction without issuing a detailed slip for the transaction and displaying the contents of the transaction when a fault disabling the issue of the detailed slip occurs. CONSTITUTION:At the time of detecting the absence of detailed slips to be loaded to the device, a common control part 12' informs the absent state of detailed slips in an automatic cash transaction machine 1' to a remote monitoring device 14 or a guard and security company 15 and displays operation without issuing a detailed slip to a customer on a CRT display with a touch panel. When the customer selects no need of the detailed slip by the display screen of the CRT display, a CPU displays the transaction selecting display on the CRT display. When the customer executes the transaction through the display, the contents of the transaction are stored in a RAM 18 and displayed on the CRT display.

Description

DETAILED DESCRIPTION OF THE INVENTION (Industrial Application Field) The present invention relates to an automatic transaction device, typified by an automatic cash transaction device that deposits or withdraws cash using a card or passbook.

(Prior Art) FIG. 2 is a perspective view showing an example of an automated teller machine, particularly an automated teller machine. In the figure, on the surface of the casing of the automatic teller machine, as shown in the figure, there is a display section 2 that displays the handling of a plurality of business operations, and a passbook insertion slot 3 for inserting a passbook when making entries in the passbook. A card insertion slot 4 for a customer to insert a card, a coin withdrawal slot 5 for depositing and withdrawing coins, and a key for inputting a transaction amount and a PIN number, as well as a display for operating instructions for the customer. CR with touch panel
A T-display 6, a banknote withdrawal port 7 for depositing and withdrawing banknotes, and the like are provided.

Note that the display section 2 shows deposits, withdrawals, etc. inquiry. Functions such as bookkeeping, transfer, transfer, etc. are displayed.

FIG. 3 is a block diagram showing a configuration example of a conventional automatic teller machine. In the figure, the conventional automatic teller machine 1 has a power dolly doubler 8, a passbook entry machine 9, a coin dispenser 10, a banknote dispenser 11, and a common control unit l2 in the apparatus shown in FIG. It includes a transmitting/receiving section 13 and the like. Here, the card reader/blinter 8 is connected to the card insertion slot 4.
Read/write the inserted customer card, print the embossed data on the card (data such as the customer's account number and name shown in a protruding form on the surface of the card), and record the transaction details on the receipt/journal. It is for printing. In addition, the passbook entry slot 9 is the passbook insertion slot 3.
This is to print the date, transaction amount, and balance on the passbook inserted. The coin dispenser machine 10 also determines the authenticity and denomination of coins inserted through the coin dispenser port 5, stores the coins inside the machine, and displays a CRT display 6 with a touch panel when a customer This is for withdrawing a specified amount of money in coins. The banknote dispenser l1 also determines the authenticity and denomination of the banknotes inserted through the banknote withdrawal port 7, stores the banknotes inside the device, and allows customers to check the banknotes on the CRT display 6 with a touch panel. This is for withdrawing the amount to be paid using banknotes of a specified amount. Further, the common control unit 12 includes a C with a touch panel.
It controls the operation of each component device according to the business selected by the customer on the RT display 6, and also controls transmission and reception with the center online.

Further, the transmitting/receiving section 13 is provided in the automatic teller machine 1 and performs communication between the automatic teller machine 1 and the center.

Note that 14 is a remote monitoring device that remotely monitors the operating state of the automatic teller machine 1 and the presence/absence of media such as cash and statement slips through the common control unit 12. Further, 15 is a security company entrusted with monitoring the status of the automated teller machine 1 and performing recovery operations in the event of a failure during unmanned operation.

Based on the above configuration, a withdrawal operation, which is an example of a transaction, will be explained using the flowchart of FIG. 4.

Note that FIGS. 5(A) to 5(C) are diagrams showing display examples of a CRT display with respect to FIG. 4.

In the automated teller machine 1, the common control unit 12 monitors the operating state of the machine and the presence/absence of media such as cash and statement slips. Here, a case of a withdrawal operation depending on the presence/absence of a statement slip will be explained.

When the common control unit 12 detects that there is no statement slip, it notifies the Tobatake monitoring device 14 of the state of the automated teller machine 1, that is, the state that there is no statement slip (Steps Sl and S2 in FIG. 4). In addition, in the case of extended hours or holiday operation, the loading of cash, statement slips, etc. of the automatic teller machine 1 is outsourced to security company i5, so the details on the automatic teller machine 1 are If there is no vote, common control unit 1
2 notifies the security company ζ/13 company 15, and an employee of the security company 15 loads the statement slip. Next, if the automated teller machine does not have a statement, it will either stop using the machine itself, or stop some of its operations, and fill in the bankbook. Operations such as balance inquiries are performed (step S3 in the figure). in this case,
Under the control of the common control unit 12, the CRT display 6 with a touch panel displays the image shown in FIG. 5(A) or 5(B), and the customer is notified accordingly.

On the other hand, if the automatic teller machine 1 has a statement slip, a display for the customer to select a transaction is displayed on the touch panel CRT display 6 as shown in FIG. 5(C).
Steps Sl and S4 in the figure). Next, CR with touch panel
The customer selects a transaction item from the transaction selection screen shown in FIG. 5(C) displayed on the T-display 6. The common control unit 12 determines whether the transaction item selected by the customer is a withdrawal transaction, and if it is other than a withdrawal transaction, it is a deposit, transfer, etc. transfer. The selected transaction among bankbook entry and balance inquiry is started (steps S5 and S6 in FIG. 4). When the customer selects a withdrawal transaction, the card reader/writer 8 is activated and the customer inserts the card into the card insertion slot 4 (steps S5 and S7 in the figure). When the card is inserted into the card insertion slot 4, the screen on the CRT display with touch panel 6 changes to a screen for inputting a PIN number, and the customer can check whether the PIN number is correct by inputting the PIN number on the CRT display with touch panel 6. (Step S8 in the figure). Here, if the entered password is incorrect, the card is returned to the customer (step S9 in the figure). If the entered PIN is correct, the customer can enter the amount they wish to withdraw using the touch panel CR.
Input on T display 6 (step SIO in the same figure)
). Next, the common control section 12 communicates the details of the transaction with the center via the transmitting/receiving section 13 (step S11 in the figure). Next, at step Sll, communication is carried out with the center, and at the same time, the coin dispenser 10 and banknote dispenser l1 are activated to count the amount of money specified by the customer (step S12 in the figure).
Next, the card reader printer 8 prints the details of the transaction on the statement slip (step S13 in the figure). Next, when the card reader printer 8 finishes printing the statement slip, the card is returned to the customer (step S14 in the figure). Next, when the customer receives the card, banknotes and statement slips are discharged from the banknote withdrawal port 7, and coins are discharged from the coin withdrawal port 5 (step S15 in the figure).

The above is a case of a withdrawal operation, but the same applies to a deposit operation.

(Problems to be Solved by the Invention) Financial institutions are currently using the above-mentioned automated teller machines, but when financial institutions operate with extended business hours on weekdays or operate on holidays, they cannot accept cash. Increasingly, security companies 15 are entrusted with the handling of equipment, such as loading statement slips and recovery from failures. Therefore, when there is no statement slip in the automatic teller machine 1, the common control unit 12 notifies the security company 15 that there is no statement slip, and the security company 15 staff loads the statement slip. There is. Therefore, automatic teller machine l
If the automatic teller machine 1 runs out of statement slips, the automatic teller machine 1 will either suspend transactions until the staff arrives at the location and finishes loading the statement slips into the automatic teller machine 1. Operations that do not handle transactions, such as bankbook entry, balance inquiries, etc., can only be performed, and withdrawals that are needed by the customer. Deposit transactions will be stopped, causing inconvenience. In particular, operational efficiency will be reduced during extended hours on weekdays and holiday operations, and automatic machines will not function properly, which will have a major impact on unmanned operations.

Therefore, an object of the present invention is to allow payment to be made without canceling the transaction even if a failure occurs that makes it impossible to issue a transaction statement. The purpose of the present invention is to provide an automatic transaction device that enables transactions such as withdrawals and has excellent operational efficiency for unmanned operation.

(Means for Solving the Problems) The present invention provides an automatic transaction device that is capable of issuing transaction statement slips to customers, and when a failure occurs that makes it impossible to issue transaction statement slips. an input instruction means capable of giving an input instruction for operation without issuance; a transaction continuation means that allows a transaction to be performed without issuing a statement slip when an input instruction is given by the input instruction means; a display means for displaying transaction details; The apparatus comprises a storage means for storing the transaction contents, and a control means for retrieving the transaction contents stored in the storage means and printing them on a transaction statement slip when the failure is removed. .

(Function) Therefore, if a failure occurs that makes it impossible to issue a transaction statement to a customer, for example, if there is no statement in the device, or if a failure occurs in the statement printing or ejection mechanism, etc. When the customer uses the input instruction means to input an instruction for operation without issuing a statement slip, the transaction continuation means causes the transaction to be performed without issuing a statement slip. Since the details of the transaction are displayed on the display means, the details of the transaction can be confirmed by the display on the display means. Further, the details of the transaction are stored in the storage means, and when the above-mentioned failure is removed, the transaction details are stored in the storage means, and when the above-mentioned failure is resolved, the transaction details are stored, for example, in the above-mentioned case. In this case, when the statement is loaded into the device or when the fault in the statement printing mechanism or discharge mechanism is cleared, the control means retrieves the transaction details stored in the storage means and prints them on the statement. let As a result, even if a failure occurs that prevents the issuance of a transaction statement, the printed transaction statement can be used to later confirm (check) the details of transactions during operation without issuing a statement. By mailing the printed transaction statement slip to the customer, the customer can reconfirm the details of the transaction or keep it as a copy of the transaction.

In this way, even if a failure occurs that makes it impossible to issue a transaction statement, you can still receive funds. Since transactions such as withdrawals are now possible, even when the number of transactions increases, the downtime of the device due to not issuing transaction statements can be significantly reduced compared to the past.

(Example) Next, embodiments of the present invention will be described using the drawings.

The automated teller machine of the present invention, particularly the automated teller machine in FIG. 2, has a device configuration as shown in FIG. 1.

FIG. 1 is a configuration block diagram showing an embodiment of the automatic teller machine according to the present invention, and the difference from FIG. 3 is that a common control section 12' is used instead of the common control section 12. There is a card reader reader 3, a bankbook entry machine 9, a coin dispenser 10, a bill slot 2-1, a gold mine 1l, and a transmitter/receiver unit 13.
Since it is the same as that in FIG. 3, the explanation will be omitted. The cash machine 3j) transaction device 1' of the present invention is composed of a card reader reader 8, a passbook recording machine 9, a coin dispenser 10, a banknote dispenser 1l, a common control section 12', a transmitting/receiving section 13, etc. ing. The common control unit 12' includes a central processing unit (
Hereinafter, it will be referred to as CPU. )16, ROM17, and RAM18
The CPTJ 16, ROM 17, and RAM 18 are used to store transactions during operation without issuing statement slips. Here, the CPU 16 controls the operation of each component device according to the transaction business, and the CPU 16 constitutes the transaction continuation means of the present invention and the control means of the present invention. The ROM 17 is a memory for a program to enable normal transactions after the device is powered on, and the CPU 16 executes the program according to the program stored in the ROM 17 to enable normal transactions after the device is powered on. It is in a state where transactions can be carried out. Further, the RAM 18 as a storage means of the present invention is used to store a program that controls the entire device, and also stores transaction details in a predetermined area during operation without issuing a transaction slip. It is for.

2P l. J ] 6 is these ROM17 and RAM
It is connected to 18.

Next, in the automatic teller machine 1', the transaction - [''
! Regarding the withdrawal operation shown in Figure 7, flow 4-. 1
, } will be mainly explained. In addition, FIG. 6 shows a flowchart according to the present invention of a withdrawal operation, which is an example of a withdrawal operation.
7(A) to (D) are diagrams showing the display of the CRT display for FIG. 6, and FIG. 8 is "1] RAM 18 of FIG.
Figure 9 shows an example of the format for storing transaction details when the transaction statement is not issued in the area shown in Figure 9. FIG. 2 is a diagram showing a usage statement when

In the automated teller machine 1', a common control unit 12' monitors the operating state of the machine and the presence/absence of media such as cash and statement slips. In the present invention, a case will be described in which a withdrawal operation is performed depending on the presence/absence of a statement slip.

When the common control unit 12' detects that the statement loaded in the device is gone, it informs the remote monitoring device 14 or the security company 15 of the state of the automated teller machine 1', that is, the state of no statement. In addition to notifying the customer, a display as shown in FIG. 7(A) is displayed on the CRT display 6 with a touch panel to inform that the transaction statement is no longer being issued because it is no longer possible to issue the statement to the customer. Steps S16 and S17 in the figure). Next, the customer selects whether issuing a transaction statement is "necessary" or "unnecessary" on the display screen of FIG. 7(A) on the touch panel CRT display 6 (step 518 in FIG. 6). If the customer selects "Requires" statement slip, statement replenishment information as shown in FIG. The service can be received using the intercom provided (step S19 in FIG. 6). After this step S19, the process moves to step S17. Further, in step Sl8, the customer uses the touch panel CRT display 6 as the input instruction means of the present invention to input the statement "
If "Unnecessary" is selected, the CPU of the common control unit 12'
In response to this, the CRT display 6 with a touch panel displays a transaction selection display as shown in FIG.
Step S20 in FIG. 6). The customer has a CR with a touch panel.
Withdraw money on T-Display 6. payment. Transfer, transfer. Fill in your passbook. Select the relevant transaction for balance inquiry.

In addition, regarding the statement slip at the time of a transaction without issuing a statement slip, the details of the transaction are stored in the RAM 18, as will be described later, and when the statement slip is loaded, the transaction details are retrieved from the RAM 18 and displayed as a statement slip. Since the transaction statement slip is printed, the printed transaction statement slip may be mailed separately. After step S29, the process moves to step S22.

On the other hand, in steps 321 to S29 in FIG. 6, the same processing as in steps 84 to S12 in FIG. 4 described above is performed.

That is, if the automated teller machine 1' has a statement slip, the fifth
As shown in Figure (C), a display for transaction selection is made (Steps Sl6 and S21 in Figure 6). Next, the customer selects a transaction item from the transaction selection screen shown in FIG. 5(C) displayed on the CRT display 6 with a touch panel. The common control unit 12' checks whether the transaction item selected by the customer is a withdrawal transaction, and if it is other than a withdrawal transaction,
payment. Transfer. transfer. Fill in your passbook. Start the selected transaction from the balance inquiry (step S22 in Figure 6).
, 323). When the customer selects a withdrawal transaction, the card reader reader 8 is activated and the customer inserts the card into the card insertion slot 4 (steps S22 and S24 in the figure).
. When the card is inserted into the card insertion slot 4, the screen on the CRT display with touch panel 6 changes to a screen for inputting a PIN number, and when the customer enters the PIN number on the CRT display with touch panel 6, the PIN number is confirmed to be correct. It is checked whether or not (step S in the same figure)
25) If the input PIN number has expired, the card is returned to the customer (step S26 in the same figure).
. If the input password is correct, the customer inputs the amount of money he/she wishes to withdraw on the touch panel CRT display 6 (step S27 in the figure). Next, the common control unit 12' communicates the details of the transaction with the center through the transmitting/receiving unit 13 (
Step S28) in the same figure. Next, in step S28, at the same time as communicating with the center, the coin dispenser 10 and banknote dispenser 11 are started and the amount specified by the customer is counted (step S29 in the figure). .

Next, regarding whether or not there is a statement slip in the automated teller machine 1', the common control unit 12' does not newly monitor the presence/absence of a statement slip, but rather uses the statement slip determined in step S16. The presence/absence processing is followed (step S30 in the figure). If there is no statement slip, in order to clarify the details of the transaction, the transaction statement slip as shown in FIG. Step S31 in the figure). Note that FIG. 7(D) displayed on the screen of the CRT display 6 with a touch panel
Statements such as this should be in the same format as the statement used by the financial institution. Next, the card is returned to the customer in the same manner as step S14 in FIG. 4 (step S3 in FIG. 6).
2). Next, when the customer receives the card, the banknote withdrawal port 7
Only banknotes are discharged from the coin withdrawal port 5, and coins are discharged from the coin withdrawal port 5 (step S33 in the figure).
Information on transaction details is sequentially stored in a predetermined area of M18 (step S43 in the figure). In this case, the contents stored in a predetermined area of the RAM 18 are the date of handling shown in FIG. Handling code, bank code, branch code. account number,
Handling number. Transaction denomination. Transaction amount and balance, which are the details used by the financial institution.

On the other hand, if it is determined in step S30 that there is a statement slip (this determination is made in step 316), step 335
-Proceed to S37. The processing in steps 335 to S37 is similar to the processing in steps S13 to S15 in FIG. 4. That is, the card reader printer 8 prints the details of the transaction on the statement slip (step S35 in FIG. 6). Next, when the card reader printer 8 finishes printing the statement slip, the card is returned to the customer (step S36 in the figure). Next, when the customer receives the card, banknotes and A transaction statement slip is discharged, and coins are discharged from the coin withdrawal port 5 (step S37 in the figure). The above describes the operation flowchart in Figure 6 and Figures 1 and 2.
figure. Although the explanation has been made using FIG. 7 to FIG.
24, S25, S27 to S34) will be explained. An employee of the financial institution where the remote monitoring device 14 is installed,
Alternatively, an employee of the security company 15 (in the case of extended hours on weekdays, holiday operation, etc.)
Upon receiving the notification from 2' that there is no statement slip, the operator goes to the location of the automated teller machine 1' and loads the statement slip into the automated teller machine 1'. There is an operation panel inside the automated teller machine 1', for example, by opening the front or back panel, and this operation panel has operation buttons. When this operation button is pressed, the CPU 16 of the common control unit 12'
The information on the transaction details stored in the predetermined area of 18 is read out, and the read transaction information is printed on the loaded statement slips one by one using the card reader printer 8, and further printed. Control is performed to sequentially import transaction statements into the device. Therefore, for example, in the case of extended hours operation on weekdays or operation on holidays, when an employee of security company 15 presses the operation button on the operation panel on the condition that the loading of statement slips is completed, the CPU 16 executes a predetermined operation in the RAM 18. At the same time as reading transaction information from the area when the statement is not issued, the card reader doubler 8 is operated to print the read transaction information on the loaded statement slips one by one. Load the transaction statement into the device. It should be noted that an @ mark 19 is printed on the printed transaction statement slip, as shown in FIG. 9, to distinguish it from the transaction statement slip during normal operation. Also, in preparation for the next situation where there is no statement slip, a predetermined area of the RAM 18 in which transaction information was stored is cleared. This R.A.
To clear a predetermined area of M18, for example, RAM18
The transaction details stored in a predetermined area are read out,
This can be done on the condition that all the read transaction information is printed on the loaded statement slip, or by an appropriate means such as external button operation. Further, the transaction statement slip with the @ mark 19 that has been taken into the automatic teller machine 1' is later taken out by an employee of the financial institution. The retrieved transaction statement slip may be mailed to the customer, or the retrieved transaction statement slip may be used at the relevant financial institution for confirmation (checking) of the transaction. The customer can reconfirm the transaction using the transaction statement sent by mail, and can also use the transaction statement as a copy of the transaction.

As can be seen from the above explanation, in the past, transactions such as deposits and withdrawals could not be performed when the device ran out of statement slips, but with the present invention, deposits and withdrawals can be made even when there are no statement slips in the device.
Transactions such as withdrawals are now possible. As a result, even when the number of transactions increases, the downtime of the equipment due to not issuing transaction statements is significantly reduced compared to conventional systems. In the above, the automatic transaction device 1' has been referred to as a case in which there is no statement slip, which is a case where a failure occurs that makes it impossible to issue a statement slip, but the present invention
The present invention is not limited to this, and can be similarly applied even when a failure occurs in the statement printing mechanism or ejection mechanism, such as when a failure occurs that makes it impossible to issue a transaction statement. If a failure occurs in the statement printing or ejection mechanism, you will be forced to operate without issuing transaction statements until the failure is resolved, just as if the statement was no longer in the device. It is.

The present invention is not limited to this embodiment, and various applications and modifications can be made without departing from the gist of the present invention.

The present invention is applicable not only to automated teller machines but also to all automated teller machines that normally issue transaction statements to customers.

(Effect of the invention) As described above, if the automatic transaction device according to the present invention is used,
Even if a failure occurs that prevents the issuance of transaction statements, transactions such as deposits and withdrawals can be made by storing transaction details in the storage means, so transactions can be made even when the number of transactions increases. This has effects such as being able to significantly shorten the downtime of the device due to not issuing statement slips compared to the conventional method.

[Brief explanation of drawings]

FIG. 1 is a block diagram showing a configuration example of an automatic transaction device according to the present invention, FIG. 2 is a perspective view showing an example of an automatic transaction device, and FIG. 3 is a block diagram showing a configuration example of a conventional automatic transaction device, Figure 4 is a conventional flowchart of a withdrawal operation which is an example of a transaction, and Figures 5 (A) to (C) are CRs for Figure 4.
FIG. 6 is a flowchart according to the present invention of a withdrawal operation which is an example of a transaction; FIGS. 7(A) to (D) are diagrams showing a display example of a CRT display with respect to FIG. 6; FIG. , Fig. 8 is a diagram showing an example of the format for storing transaction details in the RAM 18 area of Fig. 7 when the transaction details are not issued, and Fig. 9 is a diagram showing an example of the format in which the transaction details are stored in the area of the RAM 18 in Fig. 7 when the transaction details are not issued. FIG. 4 is a diagram illustrating a usage statement when transaction details are output. 1'...Automatic teller machine, 8...Card reader reader, 12'...Common control unit, 16...CPU, l7...
・ROM, 18-RAM. Tree 3 Ming 8#6') Structure diagram Block diagram 1st figure Self-help trading device: jI6') Button view diagram 2nd (A) (C) (B) (A) (B) (C) ( D) CRT display display for Fig. 6 Fig. 7 shows an example of the contents of the Yarn when used repeatedly without issue of detailed WP Fig. 9 Fig. 8

Claims (1)

[Claims] In an automatic transaction device that is capable of issuing transaction statements to customers, input instructions for operation without issuing transaction statements when a failure occurs that makes it impossible to issue transaction statements. an input instruction means capable of performing an input instruction using the input instruction means, a transaction continuation means that allows the transaction to be executed without issuing a transaction statement when an input instruction is given by the input instruction means, a display means for displaying transaction details, and a memory for storing the transaction details. An automatic transaction device comprising: means; and a control means for retrieving the transaction details stored in the storage means and printing them on a transaction statement slip when the failure is cleared.