JPH0587862B2 - - Google Patents

Description

[Detailed Description of the Invention] [Field of Application of the Invention] The present invention relates to an automatic transaction system for cash or products, etc., and devices used therein, and in particular, a system in which a plurality of automatic transaction terminal devices are connected to a plurality of bank host systems via public lines. The present invention relates to an automatic transaction system that allows transactions with a plurality of bank host systems via an automatic dial generation mechanism, and an apparatus used therein.

The present invention is particularly effectively used in the field of automatic cash transactions, but it can also be used for product sales transactions, and furthermore, it can be applied to multiple terminals unrelated to transactions. It is easy to apply it to an automatic communication system between a computer and multiple host systems.

[Background of the invention]

First, an explanation will be given of an automatic cash transaction system to which the present invention is considered to be particularly effective, and which is usually called a multi-host system.

Traditionally, multiple automated teller machines (hereinafter referred to as ATMs)
(hereinafter referred to as CD), automated teller machine (hereinafter referred to as CD) or cashing terminal (hereinafter referred to as
Systems that provide services to customers by connecting a CT (hereinafter referred to as CT) to a central processing unit are known from Japanese Patent Publication No. 56-4619, Japanese Patent Publication No. 57-23299, Japanese Patent Publication No. 57-24589, etc.

Furthermore, in recent years, each financial institution's ATM, CD,
In order to improve customer service in CT, etc., vertical alliances are being established between business types such as city banks, regional banks, and mutual banks, using dedicated lines and switching centers.

Recently, the Japan Mutual Banks Association has introduced a multi-host type system that connects multiple host systems using public lines and allows mutual transfer of CDs by combinations different from those mentioned above.
They announced that they are developing a CD. This multi-host type CD stores the telephone number of the partner bank's host system in the floppy disk of the CD machine, and when the magnetic card is inserted, it is stored on the magnetic card according to the appropriate processing operation. The reading mechanism operates on the information part of the partner bank that has been
This method allows transactions with partner companies to be conducted using an automatic dialing device built into the CD machine.

In this method, the ATM, CD,
Since the CT etc. are directly connected to the host systems of each company with which we have business alliances, all company codes and telephone numbers of each partner are stored on the floppy disk installed in each terminal. The need arose.

Furthermore, this stored information needed to be a nonvolatile memory that would not disappear even when the power was turned off. Therefore, whenever there is an increase in the number of partner banks or a change in telephone number, etc., it is necessary to rewrite or replace the floppy disk on the CD machine side.

However, on the other hand, it is inevitable that the number of alliances between banks will continue to increase at an accelerating rate, and measures to achieve this will become important.

Also, in the field of product sales transactions, this type of system has become a hot topic, but the specific system is not yet clear.

However, banks, credit sales, supermarkets,
It is an unavoidable trend that department stores will continue to group together, and it is also likely that there will be more changes in their affiliated relationships.

[Purpose of the invention]

The present invention was made from the above-mentioned viewpoint, and was made in order to eliminate the above-mentioned inconvenience. The purpose of this is to provide a method that can be addressed only by changing the host system side without modifying the terminal device side.

[Summary of the invention]

The present invention has been made from the above point of view, and has a plurality of automatic transaction terminal devices that have an automatic dial generation mechanism and perform transactions using magnetic cards. In a multi-host automated trading system in which these host systems allow automated trading with each other if they have a specific affiliated relationship, the automated trading terminal device communicates with each host system. When the automatic transaction terminal device communicates with the host system to which it belongs (hereinafter referred to as the main host system), the information necessary for starting the automatic transaction is added to the normal communication information from the main host side and the automatic transaction is started. The present invention relates to a multi-host automatic transaction system characterized in that data is transmitted to a terminal device.

In other words, instead of storing the company code and telephone number of the partner on the floppy disk of the terminal, which was previously used in multi-host systems for automatic cash transactions, The main host system creates partner information and sends this information in a reply message to the automatic transaction terminal. It is. And on the automated transaction terminal side,
It is also possible to adopt a method of registering partner information as a host table.

[Embodiments of the invention]

Hereinafter, specific embodiments of the present invention will be described with reference to the accompanying drawings.

FIG. 1 is an overall system configuration diagram when the present invention is applied to automatic cash transactions.
The ATM, CD, or CT (hereinafter, only the case of CD will be explained) is connected to the main host 20 via the public network 10. 30 partner hosts
It is also connected to the public network 10 via the public network 10.
The CD 1 shown in FIG.
0, a host table 90 in which company codes and corresponding telephone numbers as partner information are registered, an automatic dial generation mechanism 40, and a sending/receiving buffer 60.
and a message decoding unit 80. There are several possible ways to register partner information in this host table 90.

Conventionally, in this type of CD 1, it is necessary to make an inquiry to the main host 20 to start a trading business.

Therefore, below we will explain how to import partner information at the time of opening.

When CD1 sends a station opening inquiry message to main host 20, CD1
Automatic dial generation mechanism 4 from the telephone number of the main host in host table 90 registered in
0 to activate network control.
The main host 20 is called via the unit NCU 50 and the public network 10. These devices have been known for a long time, but the NCU is used to control connections to the subscriber telephone exchange network (for example, starting up the central office exchange, A device that performs recovery, sending selection signals, and detecting paging signals) and is connected between a terminal device and a line. The station opening inquiry message is sent from the sending/receiving buffer 60 to the modem 70 to the NCU.
50 and the public network 10, it is transmitted to the main host 20. The main host 20 responds to CD1 with a normal opening response message. main host 20
sends a normal response message containing partner information including the company code and telephone number and the partner's company code and telephone number. The message decoding unit 80 of the CP 1 decodes the normal opening reply message received by the transmission/reception buffer 60 and registers the above partner information in the host table 90. If all these operations are completed successfully, CD1 will become "in stock" and can be traded. This opening operation is shown in detail in FIG. This is "staff operation"
The process is divided into "CD processing" and "main host processing". First, the staff will turn on the power
When you insert the , CD1 will be restored to its initial state. Then, when the "open" switch is pressed, CD 1 automatically dials main host system 20 as described above. If the main host system 20 is available for communication, the CD 1 sends a message to the main host system 20 inquiring about opening the station. If the main host system 20 is busy or unable to make a call, the
etc.) and automatically dials again after an appropriate amount of time has passed. This redialing can be repeated multiple times. When the main host system 20 side determines that it is OK to open the station after performing the predetermined operations in response to the reception from CD1, it sends the normal opening response message to CD1.
Send to. At this time, as described above, the latest partner information is added to this response message and sent. In this case, the latest partner information must be mutually exchanged between the host systems 20, 30, 30, . . . This latest information does not need to be updated every day, but should be updated between each host system when the number of affiliates increases or changes occur. When CD1 receives the opening response message,
Information on the partner is extracted from this reply message.
The extracted information is then registered as a host table 90 on a suitable storage medium within the CD 1.
When the latest information of the partner is registered in CD1, the CD
1 causes the main host system 20 to terminate the call, and displays a message such as ``For Sale'' on a part of the CD 1 body. As a result, the clerk recognizes that the CD1 is now available for trading. In this opening operation, the staff member may use a specific magnetic card for opening the station.

After the opening operation, when the customer inserts the magnetic card 100 into the CD 1 in a state where transactions are possible, the card reading mechanism 110 operates, reads the company code in the magnetic card 100, and reads the company code registered in the host table 90. Verify.

Next, if there is a company code that matches, the telephone number of the corresponding partner is selected from the host table 90, the automatic dialing mechanism 40 is activated, the corresponding partner (including the main host) is called, and the telephone number of the corresponding partner (including the main host) is called. Sends and receives transaction messages according to the request. If the company codes do not match, the magnetic card will be returned to the customer as unusable. Regarding this part, there is no major difference compared to the conventional example, so a description thereof will be omitted.

In the embodiment described above, in response to the opening inquiry message from CD1 for registering the latest information on the partner, the main host 20 includes the partner information in the normal opening response message and sends it to CD1. However, this operation is not limited to when the station is opened. As another example, the staff member performs a detailed process (total handling for the day) after finishing the day's work. This scrutiny process involves sending the cumulative handling data on the main host side to the CD1, and printing a slip on the CD1 side. Instead of the above-mentioned opening inquiry message,
When the staff member executes the inspection process, the CD1 sends an inspection request message to the main host 20, and the main host 20 includes the latest partner information in the inspection response message and sends it to CD1, and the CD1 receives the above-mentioned message. It is also possible to adopt a method of registering partner information in the host table 90 in the same way as in the case of receiving the normal opening response message. In this case, in order to keep the information imported at the end of the day until the next day, back up the storage medium using an auxiliary power source, or temporarily store the information in an external storage medium and turn on the power the next day. At the same time, it is necessary to prepare a means for importing the data into the main storage medium.

As another example, when sending and receiving messages between the CD 1 and the main host 20 in a normal customer transaction, the latest partner information is added to the transaction response message from the main host 20 and sent. There are other possible methods. The CD 1 can extract this added partner information and update the host table 90. This method of adding partner information to the transaction response message every time increases the message length and processing time, so if the partner information remains unchanged, it is recommended to use a method that does not add partner information. preferable. That is, a flag indicating whether or not there is a change is set in the partner information. If there is a change, turn on the flag and add partner information. If there is no change, the flag is turned off and the partner information is not added. FIG. 3 shows a system that realizes this specific method. This figure 3, similar to figure 2, shows "customer operation"
The diagram is divided into ``CD processing'' and ``main host side processing.''

In the embodiments described above, a method is described in which the latest information of the partner is taken in every day or every time, but the information of the partner does not change very frequently. Therefore, it can be easily considered to import the latest information only when there is a change in that information.
As explained in Figure 3, the method is to set the flag only when there is a change in the registered information.
ON, the CD 1 side determines whether the flag is ON or OFF, and only when the flag is ON can be configured to update the partner information stored in the CD 1 itself. The configuration of the storage medium in this case will not be explained in detail here, but it will not be particularly difficult for those skilled in the art.

As explained above, in the embodiment of the present invention, when there is an increase in the number of partners or a change in the telephone number, the main host 20 recreates the partner information, so that the above-mentioned The main host 20 sends the opening inquiry message to the main host 20 or communicates with the main host at other appropriate times, and the main host 20 includes the latest partner information in the normal reply message for opening the station, etc. Make sure to answer. As a result, CD1 registers and updates partner information in the host table 90 in CD1 each time it receives a normal message such as opening a station, or only when there is a change in information during those communications. Therefore, in the host table 90 of CD1,
The latest partner information will always be registered.

Therefore, even if the contents of partner information change, the information in the host table 90 on the CD1 side can be automatically changed by changing the contents only on the main host 20 side. No modification is necessary.

In the above embodiment, the case where all automatic transaction terminal devices are connected to the host system at the same level has been explained, but in the present invention,
Such a configuration is not necessarily required. For example, as shown in Figure 4, one
Only the ATM 1 has a host table 90, and a plurality of CDs 11 and 12 are connected to the ATM 1. At this time, the host table 90 may or may not be provided on the CD side. Only the ATM 1 is directly connected to the host systems 20 and 30 via the public line network 10.
In this embodiment, when accessing the host system side from the CD, information in the host table 90 in the ATM 1 is referred to.
The method of data communication from the ATM 1, CD1, and CD2 to the host system is not a problem in the present invention, and therefore will not be particularly mentioned.

As another embodiment, the host table 90 in which partner information is registered does not necessarily need to be provided within the automatic transaction terminal device. Typically, in these automated trading systems, each terminal device is not only connected and operated with its own host system, but also
Fault information for each terminal device is collected in one place and managed by a remote monitoring device (MTL). Also,
From this MTL, the power supply for each ATM or CD is connected.
ON/OFF control and station opening/closing control are possible. Such a system is shown in FIG. Although each of CD1 to CD4 is simply shown as a square in FIG. 5, each CD1 to CD4 has a partner information storage means 99. This storage means 99 is not particularly limited. The latest partner information of each company is registered in the host table 90 in MTL2. If there is a change in this partnership, the information in the host table 90 will be updated immediately. The information in the host table 90 in MTL2 is transmitted from MTL2 to each of CD1 to CD4 when each terminal device communicates with MTL2, using the same method as explained in the above embodiment.
It is appropriate for this communication to be performed from MTL 2 during station opening control communication, but as explained in the previous embodiments, it may also be performed when the station is closed or during other communication. This is substantially the same as the main host 20 of the embodiment.

Furthermore, another embodiment of the present invention will be described. In general, magnetic card data includes, in addition to fixed format areas such as company code and membership code, a reserve area that can be used at the discretion of the company. In this embodiment, the telephone numbers of the host systems of each company are recorded in this reserve area so that the dial destination of the corresponding host system can be automatically determined by reading the card.

FIG. 7 is a data format diagram showing the contents of magnetic card data used in CD1. In the figure, card data is composed of format areas (), () and a reserve area in accordance with the bank standard. The format area contains the ID code, to check the validity of the card.
Common items of approval code and individual items of pin code, company code, validity code, and membership code are recorded. In the reserve area, the information used in this embodiment is recorded from the 45th column, including a 4-digit affiliate code and a 10-digit host system dial code. The affiliated code is a code common to each company that indicates that the card is an affiliated card, and is determined in advance by agreement between the affiliated partners. The dial code is the phone number of each company's host system, including the area code, and if it is less than 10 digits, a space is recorded at the end as an end code.

Next, the operation will be explained with reference to FIGS. 6 and 7. The CD 1 shown in FIG. 6 is different from the one shown in FIG. 1 in that it does not have a host table 90, but is otherwise similar. When the affiliated company A card is inserted into the CD 1, the CD 1 reads the card data with the card reading unit 110 via the input control unit 51. If the card reading is normal,
The processing control unit 53 checks the common items in the format area based on the valid card information registered in advance, and determines the primary validity of the card. Furthermore, it is checked that the affiliate code in the reserve area is "ABCD" and that the dial code is valid, and the secondary validity of the card is determined. If the card is determined to be valid, the operation display unit 120 displays the PIN number via the input control unit 51.
Read key input data such as transaction amount. When the key input is valid, the automatic dial generator 40 is operated according to the dial code, and the A company host system 20 is contacted via the NCU 50 and the public network 10.
(Telephone number 03-123-4567). When the line is connected, the data transmitter/receiver 60 is activated, and A
The transaction data is exchanged with the company host system 20. When the communication is completed, the line connection is cut off, and the operation display unit 12 is controlled via the output control unit 52 according to the communication result.
0 to display guidance, card reading unit 110 to rewrite and return card data, slip issuing unit 130
Then, the statement slip is printed and released, and the paper waste payment section 140 counts and releases the paper waste, and the transaction is completed.

Similarly, when the affiliated company B card is inserted, B
When the company C card is inserted, the company host system (phone number 06-345-6789) is called.

On the other hand, if a non-affiliated company X card is inserted, the affiliated code in the reserve area is "0000", so it will be invalidated in the second validity determination, and the card will be rejected with a message saying "Card not accepted". return.

As described above, in this embodiment, the affiliated code and the dialing code of the host system are recorded in the spare area of the card data, so there is no need to register the individual company code and dialing code of the affiliated partner on the CD, and the system is automatically activated by simply reading the card. The dial destination of the corresponding host system can be determined. Therefore, it is possible to increase the number of partners without limit by issuing or rewriting cards based on the partner format, and there is no need to modify the CD at all.

Although the above embodiments have mainly been described with reference to automatic cash transactions, the present invention is not necessarily limited to this. Currently, it is said that we are in the age of credit cards, and a huge number of credit cards have been issued, and it has become possible to obtain all products and other products with credit cards. However, the alliances between these companies are extremely complex and fluid.
In such a case, by applying the present invention, even if the partnership changes, it is possible to respond immediately.

Figure 8 shows each bank's host system, each bank's main branch (only one branch shown), each department store, each credit card company, each supermarket, each airline, and each railway company (each only one branch shown) via the public line network. (illustrated) and general subscriber telephone (only houses A and B are illustrated)
etc. are connected. In the diagram, the branch of Bank A
The ATM and CD are similar to those in the embodiment described above, and each has a host table 90. Recently, portable ATMs or
A CD has been developed, and in this case, a host table may be provided inside the CD, or the CD may be connected to a specific ATM or the like of the branch a and used under its control. in this case,
The call will be automatically dialed by referring to the partner information in the host table 90 in the ATM.

Next, consider the case where Mr. A is at home (A's house) and purchases an airline ticket. First, Mr. A calls the automated reservation purchasing center of a specific airline (Airline A).
Check the connection. Next, insert your own bank card or credit card into the card slot of your home telephone. This card insertion operation does not need to be performed after the connection with Airline A is confirmed. Furthermore, although there are no known household telephones with a card insertion mechanism, card telephones are generally known in public telephones, and furthermore, the mechanism for reading cards in CDs is also conventionally known. Therefore, it is not particularly difficult to provide a card reading mechanism in a home telephone. A detailed explanation of this point will be omitted here. After confirming the connection and inserting the card, information on the desired boarding aircraft is communicated according to a predetermined method. This communication can be done by voice if there is an operator at the center, or if it is done completely automatically, the boarding date, the date of boarding, flight, boarding section,
Answers such as the class, number of passengers, names of passengers, etc. may be made by voice, and the computer may analyze the answers and make a decision. Speech analysis and verification techniques are currently being developed and will not be described in detail here. If the desired boarding pass can be reserved and purchased, Airline A sends information about the boarding pass that can be reserved and purchased to Mr. A, and requests confirmation from Mr. A. The confirmation operation can be performed by voice or by pressing a specific key (for example, the * mark key). When the confirmation operation is completed, the computer system on board A
The information on Mr. A's magnetic card is obtained from the telephone at home, and an automatic dialing mechanism is used to call the credit card company or bank according to the information. On this occasion,
There is a host table 9 in Airline A's computer.
There is 0, and information on the credit company or bank partner that has a contractual relationship with Airline A is registered. As a result, if the card inserted by Mr. A is valid, Airline A will carry out the prescribed procedures with the credit card company or bank specified by the card information and sell a boarding pass reservation to Mr. A. Achieve.
If the card inserted by Mr. A is not valid, notify Mr. A to that effect and either give Mr. A an opportunity to insert another card or cancel the procedure. The pre-sold boarding pass can be delivered to Mr. A by appropriate means.

There will be no special explanation regarding railway tickets, as this is the same as purchasing a boarding pass in advance.

Next, an example in which the present invention is applied to catalog sales conducted by a department store will be described. When Mr. B wishes to purchase a product from a catalog issued by Department Store B, Mr. B first calls the catalog sales center of Department Store B. If there is an operator at the center, information about the desired product will be communicated through conversation, or if it is fully automated, the center will respond to instructions such as the product name, product code number, number, color, etc. according to instructions from a synthesized voice from the center's computer. do. This answer can also be answered using a key. Based on the information on the card inserted by Mr. B at an appropriate time, the computer at department store B uses an automatic dialing mechanism to call the bank or credit company specified by the card in accordance with its own host table.
If Mr. B's card is valid, B's department store will carry out the prescribed procedures with the designated bank, etc., and
Achieved catalog sales to Mr.

Furthermore, labor saving in supermarkets has been rapidly progressing in recent years, and unmanned supermarkets are also being talked about.
At this time, it is also necessary to make the register part unmanned.
For this purpose, it is possible to adopt a card-based automated accounting system. In other words, after the customer has completed operations such as tallying up the purchase amount at the supermarket, the customer inserts his/her card into an automatic teller machine and presses a designated key, which allows the machine to automatically transfer to the card issuing bank's host system. You can call the account via automatic dialing and complete the transaction. At this time, the automatic accounting machine can also issue a receipt such as a receipt.

In such an overall system, if there is a change in the partnership between companies, it would be a huge task to have to exchange the record data of partner information in each device corresponding to the terminal one by one.

Therefore, even in such a system, the bank host system or the credit sales host system (the credit sales host system is not shown for simplicity) has information on each partner, and these Each bank main branch, each credit sales main branch, each airline company, each railway company, each department store, each supermarket, etc., which corresponds to the terminal side of the host system, stores the information as rewritable information.
This partner information is obtained in addition to the information received when each of the above companies communicates with the host system with which they have a contractual relationship. As a result, each company
Even if the host system is not the host system that the company has a contract with, it is possible to carry out sales activities for customers who belong to host systems that are affiliated with the host system in question. There is no need to take any measures against it.

〔Effect of the invention〕

According to the present invention, when the number of affiliates increases or the telephone number changes, the main host changes the affiliate information, and the automatic terminal is based on the changed new affiliate information. In this way, transaction information can be exchanged with the main host or the host system of another company, and there is no need to modify the stored information on the automated terminal side, as was done in the past.

[Brief explanation of the drawing]

Figure 1 is a system configuration diagram of the automated teller machine, Figure 2 is a flowchart showing how the system in Figure 1 registers partner information at the time of opening, and Figure 3 is a flowchart showing partner information during normal customer transactions. Flowchart showing registration; Figures 4, 5, and 6 are system configuration diagrams showing a modified example of Figure 1; Figure 7 is a data format of magnetic card data; Figure 8 is a total system configuration diagram of automatic transaction system. It is. Explanation of codes, 1...Automated teller machine (CD),
10...Public network, 20...Main host (own host), 30...Partner host, 40...Automatic dial generation mechanism, 50...NCU (network control unit),
60...Transmission/reception buffer, 70...Modem, 80
...Telegram decoding department, 90...Host table, 10
0... Magnetic card, 110... Card reading mechanism.

Claims (1)

[Scope of Claims] 1. A plurality of automatic transaction terminal devices having an automatic dial generation mechanism and performing transactions using magnetic cards are connected as terminals to a plurality of host systems via public lines, and these host systems In a multi-host automated trading system in which each system allows automated trading with each other if they have a specific affiliated relationship, information necessary for the automated trading terminal device to start communication with each host system is required. When the automatic transaction terminal device communicates with the host system to which it belongs (hereinafter referred to as the main host system), it is added to the normal communication information from the main host side and sent to the automatic transaction terminal device. A multi-host automatic trading method that is characterized by: 2. A first method characterized in that the plurality of automatic transaction terminal devices are automatic cash transaction devices and have a cash discharge mechanism and a cash deposit mechanism for cash transactions.
Multi-host automated trading method described in section. 3. The multi-host automatic transaction system according to item 1, wherein the plurality of automatic transaction terminal devices are automatic cash dispensing devices and have a cash dispensing mechanism for cash payment. 4. The plurality of automatic transaction terminal devices are automatic commodity transaction terminal devices, and are characterized in that they have a mechanism for issuing certificates of transaction completion such as receipts accompanying product transactions. Multi-host automated trading method. 5. Multi-host automated transactions described in one of paragraphs 1 to 4, characterized in that the information necessary to initiate communication is the company code and telephone number of the partner's host system. method. 6 A plurality of automatic transaction terminal devices that have an automatic dial generation mechanism and conduct transactions using magnetic cards are connected as terminals to a plurality of host systems via public lines, and each of these host systems has a specific In a multi-host automated trading system in which automated trading is mutually permitted when there is a partnership relationship, the automated trading terminal device transfers the information necessary for starting communication with each host system to the main host system. At the time of communication, it is added to the normal communication information from the main host and sent to the automatic transaction terminal, and the automatic transaction terminal temporarily stores the transmitted information in a temporary storage device, and then
A multi-host automatic transaction system characterized in that communication with a desired host system is started based on the stored information. 7 The plurality of automatic transaction terminal devices are automatic cash transaction devices, and the sixth aspect is characterized in that the plurality of automatic transaction terminal devices are automatic cash transaction devices and have a cash discharge mechanism and a cash deposit mechanism for cash transactions.
Multi-host automated trading method described in section. 8. The multi-host automatic transaction system according to item 6, wherein the plurality of automatic transaction terminal devices are automatic cash dispensing devices and have a cash dispensing mechanism for cash payment. 9. The plurality of automatic transaction terminal devices are automatic commodity transaction terminal devices, and are characterized in that they have a mechanism for issuing certificates of transaction completion such as receipts accompanying product transactions. Multi-host automated trading method. 10 Multi-host automated transactions as described in one of paragraphs 6 to 9, characterized in that the information necessary to initiate communication is the company code and telephone number of the partner's host system. method. 11 A plurality of automatic transaction terminal devices that have an automatic dial generation mechanism and conduct transactions using magnetic cards are connected as terminals to a plurality of host systems via public lines, and each of these host systems has a specific In a multi-host automatic transaction system in which automatic transactions are mutually permitted when there is a partnership relationship, information necessary for the automatic transaction terminal device to start communication with each host system,
A multi-host automatic transaction system characterized in that, at the time of opening communication with a main host system, the information is added to normal communication information from the main host side and transmitted to the automatic transaction terminal device. 12. The multi-host automatic transaction system according to item 11, wherein the plurality of automatic transaction terminal devices are automatic cash transaction devices and have a cash dispensing mechanism and a cash deposit mechanism for cash transactions. 13. The multi-host automatic transaction system according to item 11, wherein the plurality of automatic transaction terminal devices are automatic cash dispensing devices and have a cash dispensing mechanism for cash payment. 14. The plurality of automatic transaction terminal devices are automatic commodity transaction terminal devices and have a mechanism for issuing transaction completion certificates such as receipts accompanying commodity transactions. Multi-host automated trading method. 15 Multi-host automated transactions as described in one of paragraphs 11 to 14, characterized in that the information necessary to initiate communication is the company code and telephone number of the partner's host system. method. 16 A plurality of automatic transaction terminal devices having an automatic dial generation mechanism and conducting transactions using magnetic cards are connected as terminals to a plurality of host systems via public lines, and each of these host systems has a specific In a multi-host automated trading system in which automated trading is mutually permitted when there is a partnership relationship, the automated trading terminal device transfers the information necessary for starting communication with each host system to the main host system. At the time of opening communication, the information is added to the normal communication information from the main host and sent to the automatic transaction terminal, and the automatic transaction terminal temporarily stores the transmitted information in a temporary storage device.
A multi-host automatic transaction system characterized in that communication with a desired host system is then started based on the stored information. 17. The multi-host automatic transaction system according to item 16, wherein the plurality of automatic transaction terminal devices are automatic cash transaction devices and have a cash dispensing mechanism and a cash deposit mechanism for cash transactions. 18. The multi-host automatic transaction system according to item 16, wherein the plurality of automatic transaction terminal devices are automatic cash dispensing devices and have a cash dispensing mechanism for cash payment. 19 The plurality of automatic transaction terminal devices are automatic commodity transaction terminal devices and have a mechanism for issuing transaction completion certificates such as receipts accompanying commodity transactions, as set forth in paragraph 16. Multi-host automated trading method. 20 Multi-host automated transactions as described in one of paragraphs 16 to 19, characterized in that the information necessary to initiate communication is the company code and telephone number of the partner's host system. method. 21 A plurality of automatic transaction terminal devices that have an automatic dial generation mechanism and conduct transactions using magnetic cards are connected as terminals to a plurality of host systems via public lines, and each of these host systems has a specific This is a multi-host automatic transaction system in which automatic transactions are mutually permitted when there is a partnership relationship, and the plurality of automatic transaction terminals are remotely monitored via public lines, separate from these public line networks. In the device connected to the device, information necessary for the automatic transaction terminal device to start communication with each host system is added to the monitoring control information from the monitoring device side when communicating with the remote monitoring device. 1. A multi-host automatic transaction system, characterized in that the information is sent to the automatic transaction terminal device. 22 If multiple automatic transaction terminal devices that conduct transactions using magnetic cards are connected as terminals to multiple host systems via public lines, and these host systems have specific affiliated relationships, they may not be able to interact with each other. This is a device used in a multi-host automatic transaction system that allows automatic transactions with each other, and the reading mechanism of the inserted magnetic card and the company code read by the reading mechanism are the company code of the partner. a mechanism for determining whether or not
a partner information storage means for storing a company code of a partner and a corresponding telephone number; and an automatic dial generating mechanism for calling a desired host system via a public telephone line based on the stored telephone number. 2. A multi-host automatic transaction device, comprising: information to be stored in the partner information storage means is transmitted from the main host side during communication between the transaction terminal device and the main host. 23. The multi-host automatic transaction device according to item 22, wherein the plurality of automatic transaction terminal devices are automatic cash transaction devices and have a cash discharge mechanism and a cash deposit mechanism for cash transactions. 24. The multi-host automatic transaction device according to item 22, wherein the plurality of automatic transaction terminal devices are automatic cash dispensing devices and have a cash dispensing mechanism for cash payment. 25. The plurality of automatic transaction terminal devices are automatic commodity transaction terminal devices and have a mechanism for issuing transaction completion certificates such as receipts accompanying commodity transactions, Multi-host automated trading device. 26 Multi-host automated transactions as described in one of paragraphs 22 to 25, characterized in that the information necessary to initiate communication is the company code and telephone number of the partner's host system. Device. 27 If multiple automated transaction terminals that conduct transactions using magnetic cards are connected as terminals to multiple host systems via public lines, and these host systems have a specific affiliated relationship, they may not be able to interact with each other. This is a device used in a multi-host automatic transaction system that allows automatic transactions with each other, and the reading mechanism of the inserted magnetic card and the company code read by the reading mechanism are the company code of the partner. a mechanism for determining whether or not
a partner information storage means for storing a company code of a partner and a corresponding telephone number; and an automatic dial generating mechanism for calling a desired host system via a public telephone line based on the stored telephone number. A multi-host automatic transaction device, characterized in that the information to be recorded in the partner information storage means is transmitted from the main host side at the time of opening communication between the transaction terminal device and the main host. .