JPH0430630B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to an operating system for an automated teller machine, and particularly to an automated machine monitoring system suitable for unmanned operation of an automated teller machine.

[Background of the invention]

If a failure occurs during a transaction in an automated teller machine, the media used for automated transactions, such as cards and passbooks (hereinafter, in some cases, cards and passbooks may simply be referred to as media), may be damaged inside the machine. However, when an automated teller machine is in unmanned operation, there is no attendant nearby, so conventionally,
The transaction customer has no choice but to wait for a staff member to come running from a distance, or give up on the transaction for that day and go to the counter the next day to have their cards, bankbooks, etc. returned, which is very inconvenient. Ta. In particular, if cash is urgently needed for a payment transaction, if the card was returned, another device could be used, but that is not possible because the card is not returned.

On the other hand, from the bank's point of view, even if they try to return cards, passbooks, etc., it is necessary to determine whether the transaction is successful or unsuccessful, and the situation cannot be resolved simply by returning the cards, passbooks, etc. Furthermore, even if cards, bankbooks, etc. are to be returned, since the device is in unmanned operation, it is not possible to determine whether or not the transaction customer is currently in front of the device, and there is a risk that someone else may take it away by mistake.

[Object of the Invention] The object of the present invention is to solve the above-mentioned drawbacks of the conventional technology, and to solve the problems in the unmanned operation of an automated teller machine.
To provide an automatic machine monitoring system capable of returning media and cash taken into an automatic teller machine to a transaction customer without any error in transaction operation when a failure occurs.

[Summary of the invention]

In order to achieve the above object, the present invention provides a plurality of automatic teller machines, a monitoring device that monitors the operation of the plurality of automatic teller machines via a communication line, and a separate communication system for the plurality of automatic teller machines. In a cash processing system having a central processing unit that is connected via a line and performs transaction processing, the automatic teller machine is provided with a monitoring control unit that transmits and receives fault information to and from the monitoring device, and The device includes a first communication control circuit that controls transmission and reception of fault information between the plurality of automated teller machines, a second communication control circuit that communicates with the central processing unit, and a second communication control circuit that controls the transmission and reception of fault information between the plurality of automated teller machines. a display device that displays the status of the automated teller machine, and when a failure occurs in the automated teller machine during a transaction, the automated teller machine transmits transaction information to the monitoring device;
Upon receiving the transaction information, the monitoring device displays the contents on the display device, and transmits the transaction information from the second communication control circuit to the central processing unit to determine whether or not the transaction has been completed. The monitoring device receives the judgment, displays the result on the display device, and shows the recovery procedure for the automatic teller machine.

[Embodiments of the invention]

Hereinafter, one embodiment of the present invention will be described based on the drawings.

FIG. 1 is a block diagram of an unmanned operation system for an automated teller machine (hereinafter referred to as ATM) showing an embodiment of the present invention.

A central processing unit 3 is installed in the central processing center C, and this central processing unit 3 is used for store A, store B, ... (A
ATM1 of the store (stores other than store B are not shown)
2, . . . via a communication line Nc.

On the other hand, a monitoring device 4 is installed in the automatic machine monitoring center D, and this monitoring device 4 includes ATMs 1, 2,...
are connected via another communication line Nd.

The central processing unit 3 has a file for each transaction customer, and changes the file according to transactions from each ATM. The monitoring device 4 receives operational information from the ATM, displays the contents on a display, and allows the monitoring staff to grasp the operational status. Further, the central processing unit 3 and the monitoring device 4 are connected by a communication line N, which is used as a communication line in the event of an ATM failure (the method of use will be described later).

FIG. 2 is an internal configuration diagram of the ATM.

5 is a main control section including a microprocessor, which sequentially controls the entire device according to transaction procedures.
A magnetic card reader/writer 6 reads the information when the customer inserts the magnetic card 6' into the ATM and passes it to the main control unit 5. 7 is a statement printing section that prints detailed transaction data (customer name, balance,
(account number, etc.) from the main control section 5, prints it on a statement slip 7', and releases it to the transaction customer. Reference numeral 8 denotes a banknote dispensing machine, which discharges banknotes 8' to the outside of the apparatus according to instructions from the main control section 5. Reference numeral 9 denotes a passbook printing section, from which information on the magnetic stripe pasted on the passbook 9' can be read or written. Reference numeral 10 denotes a banknote deposit machine, which determines the denomination and authenticity of the banknote 8' inserted by the transaction customer, determines the deposit amount, and transfers the deposited amount to the main control section 5. Reference numeral 11 denotes a display control section, which controls the guidance display 13 according to instructions from the main control section 5, and displays guidance in accordance with the order of transactions. Reference numeral 12 denotes an operation input control section that passes operation information of the operation buttons 14 to the main control section 5. 1
Reference numeral 5 denotes a connection control unit with the central processing unit 3, which exchanges transaction information with the central processing unit 3 via the communication line Nc. Reference numeral 16 denotes a monitoring control unit that connects with the monitoring device 4.

By configuring an ATM as described above, transactions such as payments, deposits, balance inquiries, and passbook entries are automated.

FIG. 3 is a diagram showing a processing flow when a bankbook is used to make a deposit transaction using the ATM shown in FIG. In the figure, the PC on the right side is a progress counter that functions as a program counter, and is a counter that counts in the order of transaction processing.

The progress counter (program counter) PC and transaction processing will be explained below with reference to FIG.

First, when the progress counter PC is "0", the ATM
is in a transaction selection waiting state, waiting for the transaction customer to select the transaction type with the button. (301). When the customer presses the "deposit" button in this state, the main control unit 5 sets the progress counter PC to "1" and waits for the bankbook to be inserted (302). At this time, the guidance display 13 displays "Please insert your bankbook." When a transaction customer inserts a passbook into the passbook printing section 9,
Set the progress counter PC to "2" and read the information on the magnetic stripe attached to the passbook. This magnetic stripe records at least the bank code, branch code, account number, and balance, and is used as personal information when updating the file in the central processing unit 3.

If the inserted passbook is valid, then
Waiting for deposited banknotes to be inserted (303). When a transaction customer inserts a banknote into the banknote deposit machine 10, it enters a banknote counting state and takes in the banknotes one by one, determines the denomination, calculates the deposit amount, and then displays the guidance display 1.
3, the amount is displayed and confirmation of the transaction customer is requested, and the state is set to wait for confirmation of the amount (304, 305). When the trading customer presses the confirmation button, the progress counter PC is set to "3".
At the same time, the personal information read from the ordinary magnetic stripe and the deposit amount information are connected to the control unit 15.
Central transmission is performed to the central processing unit 3 through the central processing unit 3 (306).

At this time, the ATM sets the progress counter PC to "4" and waits for a response message from the central processing unit 3. When the central processing unit 3 receives the depositor information and deposit amount information from the ATM, it checks the validity of the contents, updates the file if the contents are valid, and at least updates the updated balance data and transaction serial number (central processing unit 3). The serial number for each ATM of the transaction completed by the device 3) and the data for printing on the passbook are sent back to the ATM (307). When the ATM receives the central message from the central processing unit 3, it sets the progress counter PC to "5", cashes out the already counted cash, and prints out the bankbook (308, 309, 310). The passbook printing unit 9 records the new balance on the magnetic stripe as well as printing.
When this series of operations is completed, the progress counter
Set the PC to "6" and return the passbook (311). When the transaction customer pulls out the bankbook, the progress counter PC is set to "0" and the transaction type selection state is returned.

Deposit transactions using a passbook have been described in detail above, but if a failure occurs during this transaction, the measures to be taken will differ depending on the progress counter value at the time the failure occurs.

That is, if the progress counter PC is ``0'' or ``1'', a message ``transaction canceled'' is displayed to the transaction customer, and an attempt is made to restore and start up the ATM. When the progress counter PC is ``2'' or ``3'', the passbook and banknotes have been taken in and must be returned. When the progress counter PC is "4", handling is delicate and the question is whether the file in the central processing unit 3 has been updated. If the file has been updated, the transaction will be considered successful and only the bankbook needs to be returned without returning the banknotes. If the file has not been updated, the transaction will be considered unsuccessful and both banknotes and bankbook will be returned. There is a need to. When the progress counter PC is "5", the file has already been updated and the transaction has been completed, so only the passbook will be returned, but since the passbook has not been recorded, a guidance will be displayed asking the customer to come to the counter at a later date and it will be returned. It turns out. Progress counter PC is "6"
In this case, the bookkeeping has already been completed, so you can simply return the passbook.

When a failure occurs, if an ATM staff member is nearby, the staff member should respond to the transaction customer and return the bankbook or banknotes, but in the case of unmanned operation, a supervisor at the monitoring center D is in dealing with business customers. ATM and monitoring center D shown in Figure 1
In the connection configuration with the ATM, the operational status of the ATM is
The monitoring device 4 is notified from the ATM monitoring control unit 16.

FIG. 4 is a configuration diagram of the monitoring device 4.

In FIG. 4, 17 is a control unit including a microprocessor, 18 is a first communication control unit that controls communication with a plurality of ATMs, and 19 is a first communication control unit that controls communication with the central processing unit 3. 2 communication control unit,
20 is a display that displays the ATM status, 2
1 is a keyboard on which keys for remotely controlling the ATM are arranged.

The failure information from the ATM is sent to the first communication control unit 18.
When the information is received, the information is displayed on the display 20. To restore a failed ATM, a restoration instruction is sent to the ATM through the first communication control unit 18 by operating the keyboard 21.
The ATM performs recovery operations according to the instructions.

FIG. 5 is a diagram showing the procedure by which a supervisor uses the monitoring device 4 to recover from a failure when an ATM fails.

First, when the monitoring device 4 receives fault information from the ATM (including at least progress counter information, information that a medium such as a card or passbook remains in the ATM, and a fault code indicating the cause of the fault), 501, 502) and are displayed on the display 20 in the format shown in FIG. The lifeguard uses this display 2
Based on the display of 0, especially the progress counter value, appropriate actions are determined and instructed to the ATM.

In other words, when the progress counter PC is ``0'' or ``1'', the ATM has not yet taken in the medium, so the guard must press the keyboard 21 to the ATM.
A recovery instruction is given from (503, 516). progress counter
When the PC is "2" or "3", the file in the central processing center C has not been changed, so an attempt is made to return banknotes, bankbooks, etc. based on the medium remaining information (504, 509).
At this time, the monitor needs to determine whether or not the media such as banknotes and passbooks will be returned to the legitimate transaction customer. For this reason, in this embodiment, the guidance display 13 of the ATM instructs the transaction customer to enter the PIN number again when returning the medium, using the PIN input that is generally performed during normal transactions. There is. When the identity verification is completed, the monitor sends a banknote return instruction to the ATM, and causes the banknote deposit machine 10 to return the banknotes (510, 511). Next, send a passbook return instruction to return the passbook, and once both banknotes and passbook are returned, issue a recovery instruction to the ATM (512,
516).

When the progress counter PC is "4", first, an inquiry is made as to whether the file in the central processing center C has been updated. At this time, the clues for the inquiry include the customer's account number, the branch number where the ATM is located,
There are the ATM terminal number, transaction type, etc., but even more important is the transaction serial number at the ATM. Through the monitoring device 4, a request is made to the ATM to send the transaction serial number at the ATM along with the above transaction information, and the central processing center C is checked for the center serial number, and the transaction serial number at the ATM and the central By comparing the center serial number recorded in the processing device 3, it is determined whether the file has been updated, that is, whether the transaction has been completed or not (507,
508).

If the file in central processing center C has not been updated, the passbook and banknotes are returned in the same way as when the progress counter PC is "2" or "3" (509, 510, 511,
512). If it has been updated, only the passbook will be returned after verifying the identity as described above (513, 514,
515).

When the progress counter is ``5'' or ``6'', the file has been updated and the transaction has been completed, so only the passbook is returned (506, 513, 514, 515).

In the above manner, the monitor at the monitoring center
When an ATM failure occurs, attempts are made to recover from the failure with the transaction customer, but the problem here is how to inquire about the center serial number. In other words, the center serial number inquiry
If a supervisor performs this based on transaction information from an ATM, if the supervisor makes an input error or misunderstandings during the inquiry, there is a risk that problems will arise with the return of cash. Furthermore, account numbers and the like are personal information that should be kept secret, and it is not advisable for the monitor to obtain them directly. Therefore, in this embodiment, in order to avoid the above-mentioned trouble, the following means are provided.

FIG. 6 shows a display screen of the display 20 of the monitoring device 4. Branch number, ATM number, transaction type, account number, ATM enclosed in a double frame on this screen
The transaction serial number is information necessary when the central processing unit 3 inquires about file updates, but among these, the account number and ATM transaction serial number surrounded by a dashed line are information that is not directly relevant to the monitor. Therefore, it will not be displayed. Furthermore, information such as progress counters, fault codes, and residual media is necessary information when the monitor attempts to recover from a fault, so it is always displayed.

Now, regarding the method of inquiring the center serial number to the central processing unit 3, when the monitoring device 4 receives the transaction information at the time of failure from the ATM, it displays the above-mentioned information and displays the second The information enclosed by the double frame in FIG. Therefore,
The supervisor does not need to input necessary information from the keyboard to inquire about the center serial number, and input errors can be avoided. The central processing unit 3 determines whether a transaction has been completed based on the transaction information from the monitoring device 4 and sends the result back to the monitoring device 4. Here, the monitoring device 4 is an ATM
The transaction information and the reply from the central processing unit 3 as to whether the transaction has been completed are used to determine the medium to be returned. A message asking you to return the item is displayed.
By viewing this display, the supervisor can execute the recovery operation without fail from then on.

As described above, the monitoring device 4 automatically queries the center serial number to the central processing unit 3, and furthermore,
The monitoring device 4 receives the information obtained as a result of the center serial number inquiry.
Monitoring is performed by determining the medium to be returned based on information on whether the file has been updated and the transaction has been completed and the above transaction information from the ATM, and automatically displaying the determined medium on the display 20. Supervisors can always respond appropriately to customers, and supervisors can perform disaster recovery from a remote location without making mistakes in returning media or causing trouble with customers regarding cash. It becomes possible to execute.

Although the above explanation has been limited to deposit transactions using passbooks, it goes without saying that the present invention can also be applied to payment transactions, bookkeeping transactions, etc. using cards.

[Effects of the Invention] As explained above, according to the automatic machine monitoring system of the present invention, during unmanned operation of an automatic teller machine, the media such as cards and bankbooks that are loaded into the automatic teller machine when a failure occurs, To enable cash to be returned to a transaction customer without any error in transaction operation.

[Brief explanation of drawings]

Figure 1 is a configuration diagram of an unmanned ATM operation system showing an embodiment of the present invention, and Figure 2 is the same as that shown in Figure 1.
Figure 3 is a diagram to explain the internal structure of an ATM, Figure 4 is a diagram showing the processing flow of a deposit transaction using a passbook, Figure 4 is a diagram to explain the internal configuration of an ATM,
The figure is a configuration diagram showing the monitoring device in Figure 1,
The figure is a flowchart showing the fault recovery procedure of the monitoring staff, and FIG. 6 is a diagram for explaining the contents displayed on the display of the monitoring device. 1, 2...ATM, 3...Central processing unit, 4...
...Monitoring device, 17...Control unit, 18...First communication control unit, 19...Second communication control unit, 20...
Display, 21...Keyboard.

Claims (1)

[Claims] 1 A plurality of automatic teller machines, a monitoring device that monitors the operation of the plurality of automatic teller machines via a communication line, and a plurality of automated teller machines connected via another communication line to perform transaction processing. In the cash processing system, the automated teller machine is provided with a monitoring control unit that transmits and receives fault information to and from the monitoring device, and the monitoring device includes a central processing unit that controls the automated teller machine. a first communication control circuit that controls transmission and reception of failure information between the central processing unit and the second communication control circuit that communicates with the central processing unit;
a communication control circuit, and a display device that displays the status of the plurality of automated teller machines, and if a failure occurs in the automated teller machine during a transaction, the automated teller machine will notify the monitoring device. The monitoring device transmits the transaction information, and upon receiving the transaction information, displays the content on the display device, and
The transaction information is transmitted from the second communication control circuit to the central processing unit to determine whether the transaction has been completed, and the monitoring device receives the determination, displays the result on the display device, and collects cash. An automatic machine monitoring system characterized by indicating recovery procedures for automatic transaction machines.