JPS62186358A - Automatic transaction processing unit - Google Patents

Abstract

PURPOSE:To attain the payment to anybody by providing a storage means, a read means, a discriminating means, a counter means and a payment control means so as to cancel the reservation after a routine time. CONSTITUTION:A CPU 20 of an ATM 1 discriminates whether or not paper notes exceeding the paper notes for the reserved amount are deposited in a cartridge 231. When the paper notes exceeding the reserved amount are deposited in the cartridge 231, the payment processing is applied and the payment is attained independently of the reservation. When the paper notes exceeding the reserved amount are not deposited in the cartridge 231, whether or not the present time is prior to the predetermined time is discriminated. When the time is prior to the predetermined time, the payment is attained for reserved customers only. Then the reservation is cancelled when the predetermined time is reached to apply the payment processing.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of Industrial Application This invention relates to an automatic transaction processing device, and in particular, it is possible to make a reservation for deposit withdrawal and withdraw the reserved amount using a card. Related to equipment.

As is well known in the past, banks and other financial institutions are equipped with automatic transaction processing systems such as ATMs and automatic teller machines (CDs), and customers are not dependent on the operator. You can pay out cash yourself using your card. For example, a customer who uses an ATM to withdraw money must go to the location where the ATV is installed during the hours when the ATV is in operation (for example, between 9 a.m. and 6 p.m.) and insert their cash card into the ATM's card reader. Then, the user inputs the PIN number data and the amount data indicating the amount to be paid out from the keyboard.The ATV is connected to the center via nine lines, and sends these data to the center. Based on the transmitted data, the customer checks the customer's account balance, determines whether or not a payout is possible, and transmits the result of whether or not the payout is possible to the ATM.

If the result of the payout possibility from the center is that the ATV can be paid out,
Cash corresponding to the input amount data will be released.

Problems to be Solved by the Invention Conventional transaction processing devices can only be used during certain hours, as shown above, and cannot be used on holidays. Even if you wanted to use it, it was sometimes unavailable, which was inconvenient.

Therefore, consideration is being given to extending the above-mentioned time limit or operating automatic transaction processing equipment on holidays, etc. However, there are times when there are no maintenance personnel on hand to perform maintenance and inspections at night or on holidays. There is a problem in that the banknote storage cartridge of the processing device is not sufficiently replenished with banknotes.

Another option is to make payments to customers who have made a reservation, but if the customer who made a reservation does not make a payment, a customer other than the customer who suddenly needs to make a payment can use the service. There is a problem in that such customers are unable to pay out even if they wish to do so.

Therefore, the main purpose of this invention is to allow customers with reservations to make withdrawals until a predetermined time, but after that time, cancel the reservation and allow customers who wish to make withdrawals to make withdrawals. The aim is to promote automatic transaction processing equipment such as:

Means for Solving the Problems The automatic transaction processing device of the present invention includes a storage means for storing reservation customer identification data and reservation amount data without indicating the reservation customer in advance for each reservation customer, and a reading means for reading card data from a card. a determination means for determining whether the customer is a reservation customer based on the read card data and stored reservation customer identification data; a timekeeping means for measuring the current time; In the previous system, customers who have made reservations are allowed to make withdrawals, and after a predetermined time, the stored customer identification data and reservation amount data are erased, and withdrawals are controlled so that customers without reservations are also allowed to make withdrawals. and a payout control means.

In this invention, reservation customer identification data indicating a reservation customer and reservation amount data are stored in the storage means, and the determining means determines whether or not the reservation customer is a reservation customer based on the card data and the reservation customer identification data. , customers who require cash are allowed to make withdrawals before the predetermined time, and after the predetermined time, their reservations are canceled and customers without reservations are allowed to make withdrawals. Payments can be made.

Embodiments In the following description, an ATM will be explained as an automatic transaction processing device, but it should be pointed out in advance that the present invention is also applicable to CDs and other automatic transaction processing devices.

FIG. 5 is a diagram showing a payout reservation system including an ATM to which an embodiment of the present invention is applied, and FIG. 6 is a diagram showing an example of operation of ΔTMI not shown in FIG. 5. Next, the configuration of the payout reservation system and the outline of the operation of the ATM will be explained with reference to FIGS. 5 and 6.

In the dispensing reservation system not shown in Fig. 5, the customer can call 4 in advance.
．． Tamen 5. The reservation information is notified to the bank 3 using ΔTM1a or CD6. This reservation information includes, for example, payout date data indicating the payout exit where the payout is to be made, payout amount data indicating the payout amount, account number data indicating the customer's account number, and the machine number of the ATM or CD to be made. This includes the data shown. The bank 3 registers the notified reservation information in the h1 machine hint 2. The computer center 2 edits the registered reservation information and notifies the user of the edited reservation information for each ATM and CD machine number. Then, the AT that received the notification
Ml stores the notified reservation information in the memory 8, and also stores the total amount of the reservation amount included in the reservation information.

At the handling start time (for example, 9:00 a.m.), which is not shown in FIG.
31. When the cartridge 231 stores banknotes with an amount greater than the total reservation amount, the ATM I is set to the first mode, and both customers who have made a reservation and customers who have not made a reservation can make withdrawals.

When making a payout, the customer uses the card 7 as before. The reservation information j'3 and the total reservation amount J1 are updated every time a payment is made to a reservation customer.

Then, a payment is made by a customer who has not made a reservation,
When the number of banknotes stored in the cartridge 231 reaches the number corresponding to the total reservation amount, the ATM
mode, only those who have made reservations are allowed to make withdrawals, and those other than those who have made reservations are restricted from making withdrawals. This second mode continues until a predetermined time (for example, 1:00 p.m.), and the third mode is set after this predetermined time.

When transitioning to the third mode, ATMI memory 8
All data related to reservations stored in will be deleted. That is, at this point, the reservation is considered to have been guaranteed. In the third mode, as long as banknotes are stored in the saw T-ridge 231, payouts will be made to all customers who visit the store.

Note that the bank 3 notifies the customer of the transition from the second mode to the third mode at a predetermined time as soon as the customer makes a reservation.

FIG. 7 is a perspective view of the appearance of an ATM to which an embodiment of the present invention is applied. In FIG. 7, a handling indicator 9, a passbook insertion hole 10, a card insertion hole 11, and a slip/bill receiving slot 12 are provided on the vertical panel surface of the ATMI.

For example, the handling display 9 displays "handling" when in a dispensable state, and displays "handling stopped" when there are no more bills to be dispensed in the cartridge 231, for example. The passbook insertion hole 1o is for inserting a deposit passbook. The card insertion hole 11 is for inserting the card 7 shown in FIG. The slip/banknote receiving slot 12 is for a customer to receive a slip or banknote on which transaction details are printed.

In addition, a bill slot 13, a CRT display 14, a keyboard 15, etc. are installed on the horizontal panel surface of the ATM.
This is for inserting banknotes when doing so. CRT
'The display 14 displays information such as guide letters for masterpieces and monetary data entered manually by the customer. The keyboard 15 is for inputting I18 identification number data, amount data, etc., and for instructing the type of transaction, and includes a numeric keypad, transaction instruction keys, and the like.

FIG. 8 is a schematic block diagram showing the electrical configuration of the ATMI shown in FIG. 7. In Figure 8, ATM1 has CP
U 20 h<provided. In addition to the above-mentioned CRT display 14 and keyboard 15, the CPU 20 includes
Card reader 21, bill taking machine 22, bill ejecting machine 23, passbook printing 1124, slip issuing machine 25, and transmission control circuit 26
, RAM 27, ROM 28, and timer 29 are connected.

The card reader 21 is not shown in FIG. 5 and is for reading card data from the card 7. Here, the card data is bank number data and branch number data.

Contains account number data and PIN number data. The banknote take-in machine 22 transports and discriminates banknotes input from the banknote input port 13, and stores them in a storage container (not shown).

The bill discharging unit 123 dispenses bills from a cartridge 231 storing bills, transports and distinguishes the bills, and discharges the bills to the slip/bill receiving slot 12 . A sensor (not shown) is installed in the cartridge 231 to detect the number of banknotes stored therein. The passbook printing machine 24 prints transaction details on a passbook inserted through the passbook insertion hole 10. The slip issuing R25 prints transaction details on a slip and issues it. The transmission control circuit 26 mediates communication between the 0PU 20 and the computer center 2.

The RAM 27 includes a storage area as shown in FIG. 9, which will be explained later. The ROM 28 stores operating programs for the CPU 20 as shown in FIGS. 1 to 4, which will be explained later. The timer 29 measures the current time.

FIG. 9 is a polygonal illustration of the storage area of the RAM 27 shown in FIG. In FIG. 9, the storage areas of the RAM 27 include a reservation information table 271 and a total reservation amount area 272.
, number buffer 273 and card data storage area 274
and areas 275 to 277. The reservation information table 271 is an area for storing reservation information transmitted from the computer center 2 shown in FIG. The reservation information table 271 is made up of reservation details for each transaction, and each reservation content is made up of 10 seat number data of the customer who made the reservation and payout reservation amount data. The reservation amount total area 272 is an area where each payout reservation amount included in the reservation information table 271 is summed by π1. The contents of the reservation information table 271 and the reservation amount total area 272 are updated every time the reservation amount is paid out. The number buffer 273 receives the number 1 input from the keyboard 15.
This is an area where direct data is primarily stored. The card data storage area 274 is an area for storing card data read by the card reader 21. Area 275
is an area for storing the first mode flag, and area 2 is an area for storing the first mode flag.
76 is an area for storing the second mode flag, and area 277 is an area for storing the third mode flag.

1 to 4 are flowcharts for explaining the operation of one embodiment of the present invention. In particular, ? Figure A1 shows an outline of the processing operation, and Figures 2 to 4 show the details of the processing operation shown in Figure 1. First, the general operation of the payout process shown in FIG. 1 will be explained.

The CPU 20 of the ATM 1 determines whether or not the cartridge 231 stores banknotes in an amount exceeding the reservation amount. If the cartridge 231 stores banknotes in an amount exceeding the reservation limit, the '111th need flag is set and the payout process is performed in the first mode. In this first mode,
Payment can be made regardless of whether or not there is a reservation. If the amount of banknotes exceeding the reservation limit is not accommodated in the car 1-lid 231, it is judged whether the current time is before a predetermined time or not. If it is before the predetermined time, the second seventh flag is set and the payout process is performed in the second mode. In this second mode, only customers who have made a reservation can pay out.

Then, at a predetermined time, the third mode flag is set, the reservation is canceled, and the payout process is performed in the third mode. For example, the third mode flag may be set based on an instruction from the zero-machine center 2,
In addition, a predetermined time at which to shift to the third mode is set in advance in RAM.
27, and set when the current time measured by the two timers reaches this predetermined time.

In the reservation cancellation process described above, the CPU 20 uses the content J3 of the reservation information table 271 and the reservation amount total area 27.
Delete the contents of 2. In the third mode, customers who have visited the store can make payments. After performing the dispensing process for one transaction in each mode, the CPU 20 determines whether or not banknotes remain in the cartridge 231. If the banknotes remain, the CPU 20 performs the dispensing process in either mode. If it does not, a message indicating that it cannot be handled will be displayed on the handling display 9.

Next, the operation in the first mode will be explained in detail with reference to FIGS. 2 to 9.

The CPtJ 20 waits until the card 7 is inserted, and stores the card data in the card data storage area 2 in response to the card data being read by the card reader 21.
74. Subsequently, the CPU 20 searches the reservation information table 271 based on the account calendar month data included in the card data, and determines whether or not the customer is a reservation customer. Next, the operation when it is determined that the customer is a reserved customer will be explained.

The customer operates the keyboard 15 to input PIN number data. The password data is stored in the number buffer 273 each time one digit is entered manually. Then, for example, in response to input of 4-digit PIN data, the CPU 20
determines whether or not the password data stored in the number buffer 273 matches the password data included in the card data stored in the card data storage area 274. If the PIN data does not match, the card is returned and the operation ends; however, if the PIN data matches, the customer's reserved payout amount is read from the reservation information table 271 and the reservation amount is The banknotes that are worth a certain amount are fed out from the cartridge 231 by the banknote discharging machine 23 and discharged into the slip/banknote receiving slot 12. Next, CPLI
20 erases the customer's account number data and payout reservation amount arc from the reservation information table 271, and reduces the payout amount of the customer from the reservation total amount stored in the reservation amount total area 272. The remaining amount is added to the new reservation amount 51 and stored in the reservation amount 0 area 272. Subsequently, the CPU 20 returns the card 7 and terminates the operation.

On the other hand, in January, when it is determined that the customer is not a reserved customer, the CPU 20
determines whether the password data entered from the keyboard 15 and stored in the number buffer 273 matches the password data included in the card data. If the JJI password data does not match, the card is returned and the operation is completed. 08 If the identification number data match, it waits until the customer inputs the payout amount data, and in response to the input of the payout amount data, sends the card data and the payout amount data to the computer center 2. . The computer center investigates the customer's account balance based on the transmitted card data and payout amount data, and transmits the investigation results to the ATM 1. In response to receiving the payout permission result from the counter 2, if the payout is possible, the CPU 20 releases banknotes corresponding to the payout amount into the slip/banknote receiving slot 12 using the banknote dispensing machine 23, and then releases the banknotes into the slip/banknote receiving slot 12. is returned and the operation ends.

Next, the operation in the second mode will be described in detail with reference to FIGS. 3 to 9.

In response to the card data being read by the card reader 21, the CPU 20 stores the card data in the card data storage area 274.

Subsequently, in the same manner as described above, the CPU 20 searches the reservation information table 271 based on the account number data included in the read card data, and determines whether or not the customer is a reservation customer. If it is determined that you are not a reserved customer, "Unable to handle" will be displayed on CRT display 1/1.
is displayed, the card is returned, and the operation ends.

If the customer is a reservation customer, the CPU 20 determines whether or not the PIN data input from the keyboard 15 matches the II serial number data included in the node data, and if they match, the reads out the customer's reserved payout amount from the reservation information table 271 and releases banknotes corresponding to the reserved payout amount to the slip/bill receiving slot 12. Subsequently, the CPU 20 deletes the customer's account number data and payout reservation amount data from the reservation information table 271, and retrieves the customer's payout reservation amount data from the reservation total amount data stored in the reservation amount total area 272. The result is subtracted and stored as new reservation total amount data. Subsequently, the CPU 20 returns the card and ends the operation.

Next, the operation in the third mode will be described in detail with reference to FIGS. 4 to 9.

The CPIJ 20 stores the card data read by the card reader 21 in the card data storage area 274.

Next, the CPU 20 determines whether or not the password data input from the keyboard 15 matches the password data included in the card data. end.

If the PIN data match, then IVII is performed until the payout amount data is input from the keyboard 15, and the input payout amount data and card data are totaled in response to the input of the payout amount. Send to 431 pinta 2. In the same manner as described above, the Misaniso center 2 investigates the account balance of the customer based on the transmitted card data and payout amount data, and transmits the investigation result to the ΔTM1. If the payout acceptance result transmitted from the computer center 2 indicates that the payout is possible, the CPU 20 releases a banknote corresponding to the payout amount to the receipt/banknote receiving slot 12 using the banknote discharge f123, and then returns the card. Finish the operation. In the above embodiment, the verification of the personal identification number is performed at the ATM1, but the verification is not limited to this, and the verification may be performed at the computer center 2.

In this case, the card data and the input password data are transmitted to the instrument center 2. Then, the computer center r determines whether or not the PIN data match based on a pre-stored correspondence table between account number data and PIN data.

Furthermore, in the above-mentioned embodiment, in the disbursement process to a person other than the reserved customer in the first mode and the dispensing process in the third mode, the dispensing process is performed after receiving the dispensing possibility result by the second hint. In addition, the payout process can be performed offline, and the payment can be made to the weighing machine center 2 at an appropriate time.
Even if I try to send it to Yahoo! and process the payment, it still doesn't work.

Effects of the Invention As described above, according to the present invention, the storage means stores the reservation customer identification data indicating the reservation customer and the customer amount data, and the determination means makes a reservation based on the card data and the reservation customer identification data. It determines whether the customer is a customer or not, and before a predetermined time, the customer with a reservation is allowed to make a withdrawal, and after the predetermined time, the reservation is canceled and customers without a reservation are allowed to make a withdrawal. Therefore, customers who need cash can make a withdrawal even if they do not have a reservation.

[Brief explanation of drawings]

FIG. 1 is a flowchart for explaining the general operation of an embodiment of the present invention. FIG. 2 is a flowchart for explaining the operation of entering the first mode shown in FIG. FIG. 3 is a flow diagram for explaining the operation in the second mode shown in FIG. FIG. 4 is a flowchart for explaining the operation in the third mode shown in FIG. 1. FIG. 5 is a diagram showing a payout reservation system including an ATM to which an embodiment of the present invention is applied. FIG. 6 is a diagram without showing an example of operation of the ATV shown in FIG. 5. FIG. 7 is an external perspective view of the ATV shown in FIG. 5. FIG. 8 is a schematic block diagram without showing the electrical configuration of the ATM shown in FIG. 7. FIG. 9 is an illustrative diagram showing the storage area of the RAM shown in FIG. 8. In the figure, 1 is an ATM, 2 is a t1 computer center, 3 is a bank, 7 is a card, 9 is a handling display, 10 is a passbook insertion hole, 11 is a card insertion hole, 12 is a slip/bill receipt slot, 13
14 is a CRT display, 15 is a keyboard, and 20 is a CPU. 21 is a card reader, 22 is a banknote feeder, 23 is a banknote dispenser, 24 is a bankbook printer, 25 is a credit card issuer, 26 is a transmission control circuit, 27 is a RAM, 28 is a ROM, 29 is a timer, 271 is the reservation information table, 272 is the reservation fee request 5
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Claims (2)

[Claims] (1) An automatic transaction processing device that stores banknotes to be paid out and that can pay out the reserved amount using a card when a customer makes a reservation for deposit withdrawal, and that a storage means for storing reservation customer identification data and reservation amount data indicating the reservation amount; a reading means for reading card data from the card; and a reading means for reading the card data from the card. a discriminating means for determining whether or not the present time is present; a time measuring means for measuring the current time; and a dispensing means for permitting the reservation customer to pay out before the predetermined time, and for determining the stored reservation customer identification after the predetermined time. An automatic transaction processing device equipped with a payout control means for erasing data and reservation amount data and controlling payouts so as to permit payouts even to customers without reservations. (2) Further, a reservation total amount storage means for storing the total amount of each reservation amount excluding the amount paid to the reservation customer, and banknotes of an amount exceeding the reservation total amount stored in the reservation total amount storage means. The payout control means detects, before the predetermined time, that the detection means stores banknotes of an amount exceeding the reserved total amount. Depending on what was done,
Dispensing is permitted to customers other than the reserved customers, and when the detection means detects that no banknotes exceeding the total reservation amount are stored, the dispensing is performed so that only the reserved customers are permitted to withdraw. An automatic transaction processing device according to claim 1, wherein the automatic transaction processing device controls: