JPS60157666A - Automatic transacting device - Google Patents

Abstract

PURPOSE:To shorten a transaction time, and to improve a service by providing a transaction processing commanding means for commanding a transaction processing in parallel to a communication to a computer, and a processing stop commanding means for stopping the transaction processing when the transaction is not allowed. CONSTITUTION:A processing commanding part 33 outputs a command for executing in parallel an inquiry about whether a transaction is allowed or not, to a computer center 26, and containing/supplying processing, and a rejecting telegraphic message deciding part 34 decides that a response telegraphic message sent from the center 26 is a rejection of the transaction. A processing stop commanding part 35 commands a stop of the processing to a received and paid money discerning and counting control part 36 by a transaction rejection deciding signal sent from the deciding part 34. The control part 36 controls driving of a received and paid money discerning and counting part 37 by a command of the commanding part 33 or 35, and the counting part 37 is provided with a discerning part and a containing box, and has functions for carrying, discerning, counting containing and supplying of a paper money.

Description

Detailed Description of the Invention FA1 Technical Field of the Invention The present invention relates to an automatic transaction device that is connected to a computer center via a line and processes transactions online, and particularly relates to an automatic transaction device that can shorten transaction time. .

(Background of BL technology) Recently, as part of the computer banking system, automatic m-money machines (8uLomaL) have been used at the counters of financial institutions.
'ic DeposiL: A D) and automatic cash dispensing machine (Automatic Deposit L: A D)
Automated transaction devices such as ATMs (hereinafter referred to as ATMs) are widely used.

These devices usually allow transactions such as cash payments and deposits to be made by inserting a credit card F (hereinafter referred to as a card) or a bankbook, and entering transaction information from a keyboard according to the guidance displayed on the device display. It will be done.

Automated transaction devices installed at each branch of a financial institution are connected via a line to a host computer (hereinafter referred to as a post) in at least one computer center provided at each financial institution to process transactions online. . Moreover, online transactions can now be carried out between different financial institutions. Therefore, cards can be used commonly in normal transactions.

Due to its convenience, it is becoming more popular and the number of installed devices is increasing, to the extent that users are lining up in front of the device.

Therefore, there is a need for a method of shortening transaction processing time to improve service and increase the operational A rate of the equipment.

tc+Prior Art and Problems The conventional method will be described below with reference to FIGS. 1 to 5, taking ATM as an example. Fig. 1 is a perspective view illustrating an ATM to which the present invention is applied, Fig. 2 is a sectional view taken along line A-A in Fig. 1, and Fig. 3 is a portion taken along line B-B in Fig. 1. The cutaway cross-sectional view, FIGS. 4 and 5, are flow charts showing the conventional method.

As shown in FIG. 1, an ATM is provided with a card insertion slot 1 and a passbook insertion slot 2 arranged side by side at the upper front of the device, and a banknote insertion slot 6 and a cash dispensing slot 3 on the left side of the panel below.
On the right side, there is a keyboard 4 for specifying transactions such as deposits, inputting a PIN number, and the transaction amount, and a display 5 for displaying and guiding the customer regarding operation details.

As shown in Fig. 2, the inside of the device is behind the passbook insertion slot 2, on the right side in the figure, to read and write n magnetic stripes on the passbook 11. Printing part that prints transaction details】4
A BJ is set up.

In the center of the device, there is a discrimination section 21 that discriminates the authenticity and denomination of the banknotes 10 that have been inserted, and below that there is an alignment pool section 22 that pools some of the banknotes 10; A discrimination section 23 for discriminating the denomination of the banknotes 10 fed out from the control section 18 and the alignment pool section 22 is arranged.

Below the device is a storage box 2 in which banknotes 10 are stored by denomination.
4a to 24c and a reject box 2 that is stored when there is a feeding failure such as double feeding of banknotes 10.
5 is provided.

A mechanism for storing and feeding out banknotes 10 is provided at the upper part of the storage boxes 24a to 24c.

In addition, as shown in FIG.
On the right side of the figure, there are provided a read/write section 13b for reading and writing the magnetic stripe on the card 17, and a printing section 15 for printing transaction details on a receipt.

Since it has such a configuration, an example of the use of this device for deposits and withdrawals will be explained with reference to FIGS. 4 and 5. First, when a customer makes a deposit, as shown in FIG. , press the deposit button on keyboard 4 to indicate your intention.
When the passbook 11 is inserted into the passbook insertion slot 2 according to the operation guidance displayed on the display 5, the data on the magnetic stripe on the back of the passbook is read by the section 13a, and the account number is confirmed, then the banknote 10 is inserted into the banknote slot 6. do.

If the confirmation is not acceptable, the passbook 11 will be returned.

The device discriminates the authenticity of the banknotes 10 using a discrimination unit 21, and detects abnormal banknotes through the route 1-A-C7=cash dispensing port 3, which is indicated by a dotted line in the figure.
The genuine banknotes 1o are sent to the alignment pool section 22 via route D, where they are pooled with the front and back sides aligned, and the denominations are counted.
The counted amount is displayed on the display 5.

When the customer confirms that the amount matches the input amount and presses the confirmation button on the keyboard 4, an inquiry is made to the computer center as to whether the transaction is possible or not based on the read data and count data.

If the transaction is possible according to a response signal from the computer center, the bankbook deposit amount is printed, the transaction details are printed on journal paper 20, and the journal paper 20 is wound up into the device. Then, the bankbook 11 is returned from the bankbook insertion slot 2, and the transaction is completed.

Then, the banknotes 10 are
is played out, and the roots E, F, B, G and HT: &
At the villa 23, the denomination is again identified and the storage boxes 24a to 24c are stored.
are stored by denomination.

If there is an error such as double feeding in the feeding of the feeding section 22a, the banknote 1o is stored in the reject box 25 through the route I.

If the response signal from the computer center indicates that transactions are not possible, the banknotes 10 pooled in the sorting pool 22 are returned to the cash dispensing port 3 via banks E, F, B and C. Passbook 11 is also returned.

Even when the customer presses the deposit cancellation button, banknotes 10 and passbook I
I shall be returned in the same manner as in "-" respectively.

When making a deposit using the card 17 without using the passbook 11, a receipt is issued.

When paying cash, as shown in Figure 5, press the payout button, insert the card 17 into the card slot 1, insert the passbook 11 into the passbook slot 2, and enter the PIN number. Then, if the check of the read data is OK, a guidance prompting the user to input the payout amount is displayed on the display 5.

Once the amount is entered, it is displayed on the display 5.

When the customer presses the amount confirmation button, an inquiry is made to the computer center as to whether the transaction is possible or not based on the reading data and operation input data. If the transaction is possible according to a response signal from the computer center, the banknotes 10 are fed out by the feeding mechanisms above the storage boxes 24a and 24b and route J
, F, B, and C, the banknotes 10 are dispensed from the cash dispensing port 3.

Transaction details are then printed on the bankbook 11 and journal paper 20. Journal paper 20 is wound up in the device,
The bankbook 11 and the card 17 are each returned.

When the bankbook 11 is not inserted and the payment is made only with the card 17, a receipt is issued.

If the read data is checked and the response signal from the computer center indicates that the transaction is not possible, the pass 11 and the card 17 are returned at that point.

However, according to this method, for example, in the case of deposits,
After receiving a response signal from the computer center, the card is unrolled from the alignment pool section 22 and stored, so if the amount is large, it takes time to store the card. During this time, the card 17 is imprinted and printed and returned with a receipt. Since the passbook 11 has been printed and returned, there are cases where the banknotes 10 have not yet been stored when the customer pulls out the passbook 11. Therefore, even if the customer leaves the device, the next customer may not be able to make a transaction immediately.

In the case of payout, if the amount is large, the storage boxes 24a to 24c
There is a similar problem because it takes a long time to feed out the machine.

In this way, even after the bankbook 11 and card 17 have been returned, processing may still be carried out, so the overall processing time becomes longer and there is a drawback that efficiency is poor.

(d1 Purpose of the Invention The purpose of the present invention is to solve the above-mentioned drawbacks, and to provide an automatic transaction device that can shorten transaction processing time by proceeding with communication with a computer center and transaction processing in parallel. It is in.

te1 Structure of the Invention The present invention includes transaction processing command means for instructing transaction processing to be performed in parallel with communication with a computer center, and processing abort command means for suspending transaction processing when a response signal from the computer center indicates that the transaction is not possible. This is an automatic transaction device characterized by the following: By doing so, the purpose can be achieved.

ff1 Embodiment of the Invention An embodiment of the present invention will be described below with reference to FIGS. 6 to 8. FIG. 6 is a block diagram showing an embodiment according to the present invention, and FIGS. 7 and 8 are flowcharts of FIG. 6. The same reference numerals indicate the same objects throughout the figures.

In FIG. 6, 26 is a computer center, 27 is a line control section, 28 is a main control section, 29 is a beam dryer I section,
30 is a key manual control unit, 31 is a display control unit, 32 is a printer control unit, 33 is a processing command unit, 34 is a rejection message determination unit, 35 is a processing stop command unit, 36 is a deposit/withdrawal discrimination control unit, 3
7 indicates a deposit/withdrawal discrimination/counting section.

The line control unit 27 controls data transmission and reception with the computer center 26.

The processing command section 33 has a function of issuing a command to inquire of the computer center 26 as to whether the transaction is possible or not, and to perform storage/dispensing processing in parallel.

The rejection message determination unit 34 determines whether the response message sent from the computer center 26 is a transaction rejection.

The processing stop command unit 35 controls the deposit/withdrawal discrimination counting control unit 3 based on the transaction rejection determination signal sent from the rejection message determination unit 34.
6 has a function of instructing to stop processing.

Deposit/withdrawal discrimination “1 number RIIJ control unit 36
Alternatively, the driving of the deposit/withdrawal discrimination/counting section 37 is controlled by a command from the processing stop command section 35.

The deposit/withdrawal discrimination/counting section 37 includes a discrimination section 21.23 and storage boxes 24a to 24c, and has functions of IB transfer, discrimination, counting, storage, and feeding of banknotes 10.

With such a configuration and function, the case of deposit and withdrawal will be explained with reference to FIGS. 7 and 8. First, when making a deposit, as shown in No. When the passbook 11 is inserted according to the operation guidance displayed on the display 5, the data is read. If the data is checked and OK, a display prompting you to insert banknotes will appear, so insert the banknote IO. If the data confirmation is NO, the passbook 11 will be returned.

The main control unit 28 instructs the deposit/withdrawal discrimination/counting control unit 36 to differentiate and count the banknotes 10 that have been inserted, and
are pooled in the sorted pool section 22, and the counted amount is displayed on the display 5.

When the customer presses the confirmation button, the processing command unit 33 sends a deposit request message etc. from the line control unit 27 to the computer center and inquires as to whether the transaction is possible or not. order the storage of

The deposit/withdrawal discrimination/counting unit 37 collects banknotes 10 pooled in the sorting pool 22 under the control of the deposit/withdrawal discrimination/counting control unit 36.
, and start storing them in the storage boxes 24a to 24c.

The response message from the computer center is rejected by the message determination unit 3.
4, if the transaction is possible, the bankbook deposit amount is printed, the transaction details are printed on the journal paper 20, and the journal paper 20 is wound up in the device. Then, from passbook insertion slot 2 to iIl book 1.
1 is returned and the transaction ends.

9 If the response message cannot be traded, the processing stop command unit 35
A signal is sent to The processing stop command section 35 instructs the deposit/withdrawal discrimination and counting control section 36 to stop the transaction processing.

When the storage of banknotes 10 is completed, the deposit/withdrawal discrimination/counting unit 37 feeds out and returns the amount of banknotes 10 inserted by the customer from the storage boxes 24a to 24c according to a command from the deposit/withdrawal discrimination/counting control unit 36, and then returns the banknotes 10 to the passbook. Return 11.

When dispensing cash, the customer presses the dispensing button, inserts the card 17 and passbook 1, and enters the password, as shown in FIG. N when checking read data
If o, the bankbook 11 and card 17 are returned. Further, if the check is OK, a guidance prompting the user to input the payout amount is displayed on the display 5. There, the amount is entered. The input amount is displayed on the display 5.

When the amount is confirmed by the customer, a withdrawal request message is sent from the line control unit 27 to the computer center according to a command from the processing command unit 33, and an inquiry is made as to whether or not the transaction is possible. The banknotes 10 are fed out from the storage boxes 24a to 24c by the section 37, and the banknotes 10 are counted and sent to the cash dispensing port 3 described in FIG. 2 and pooled. A shutter (not shown) is closed in the cash dispensing port 3, and the banknotes 1o cannot be taken out yet.

The response signal from the computer center is rejected by the message determination unit 3.
4, and if the transaction is possible, the details of the transaction are printed on the bankbook IO and journal paper 2o. The journal paper 2o is wound up inside the device, and the bankbook 11 and card 17 are returned.

The shutter is then opened and the bill 10 is taken out by the customer, completing the transaction.

Further, if the response message is not transactionable, a signal is sent to the processing stop command unit 35.

The processing stop command unit 35 instructs the deposit/withdrawal discrimination and counting control unit 36 to stop the process.

Then, the deposit/withdrawal discrimination/counting unit 37 moves the banknotes 10 pooled in the cash dispensing port 3 to the banknote input port 6, dispenses them in the same manner as depositing, identifies and counts them, and stores them in the storage box 24.
Store in a to 24C. The letter viii and card 17 are then returned.

In this way, the process of storing input cash or dispensing cash proceeds in parallel with the communication of the inquiry to the computer center 26 regarding whether or not the transaction is possible. If a transaction is not possible, in the case of a deposit, the previously stored banknotes 10 must be fed out again, and in the case of a payout, it is necessary to store the once-fed banknotes again. Rare, and many of the trades are tradable.

Therefore, the transaction time for each transaction is significantly shortened, helping to reduce the waiting time of customers queuing in front of the device, and improving service and operating efficiency of the device.

+g1 Detailed Description of the Invention According to the present invention, transaction processing can proceed in parallel with communication with the computer center, and transaction time can be significantly shortened. 5. Improved service to customers. be able to.

■It is possible to increase the operational efficiency of the equipment.

There is an effect.

[Brief explanation of drawings]

FIG. 1 is a perspective view illustrating an ATM to which the present invention is applied;
Figure 2 is a cross-sectional view taken along line A-A in Figure 1, and Figure 3 is a cross-sectional view of Figure 1.
4 and 5 are flowcharts showing a conventional method, FIG. 6 is a block diagram showing an embodiment according to the present invention, and FIGS. FIG. 8 is a flowchart of FIG. 6. In the figure, ■ is a card insertion slot, 2 is a passbook insertion slot, 4 is a keyboard, 13a and 13b are read/write parts, 17 is a card, 21.23 is a discrimination part, 24a to 24C are storage boxes, 26 is a computer center, 27 is a line control unit, 2
8 is a main control section, 29 is a read/write section, 30 is a key manual control section, 31 is a display control section, 32 is a printer control section, 3
3 is a processing command unit, 34 is a rejection message determination unit, 35 is a processing stop command unit, 36 is a deposit/withdrawal discrimination control unit, and 37 is a deposit/withdrawal discrimination/counting unit. 7 i + [r No. 5 Tokukaisho Go-157666 (7) dormitory'& closed WI wi, - each person U "2 8j ρg9゛卯t"n;Δ) nij; 戎answer telegramya Chinese parable YES

Claims (1)

[Claims] The transaction processing mechanism includes a manual operation section in which the transaction data is entered manually by the user, and a transaction processing mechanism including 81 sections for counting the amount of cash inserted or cash to be paid out, and the input data inputted from the operation input section. an automated transaction device that communicates with a computer center to carry out a transaction based on the transaction processing mechanism; An automatic transaction device characterized by comprising: a processing abort command means for aborting the transaction processing when a response signal from a computer center indicates that the transaction is not possible.