JPS6320592A - Payment for automatic transaction processor - Google Patents

Abstract

(57) [Abstract] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

DETAILED DESCRIPTION OF THE INVENTION (a) Field of Industrial Application This invention relates to prevention of forgetting to take cash when withdrawing money from an automatic transaction processing device.

(b) Summary of the Invention In the withdrawal method of the automatic transaction processing device according to the present invention, the medium such as a card or passbook is returned after the withdrawn cash is discharged.

This makes it possible to prevent forgetting to take cash.

fc) Conventional technology Conventionally, when a withdrawal transaction is made in an automatic transaction processing device such as an automated teller machine (ATM) or an automated cash dispensing device (CD), the inserted card or passbook is returned and then the withdrawal is made. The collected cash is now released. This is designed so that you can receive cash after storing your card or passbook in the case.

(d) Problems to be solved by the invention However, if the return and release are carried out in this order, the customer who receives the medium, such as a card or passbook, will be deemed to have completed the transaction upon receiving it. In some cases, the user may have thought that this was the case and walked away from the automated transaction processing device without receiving the released cash. However, there was no way to identify the owner of the released cash, which caused major trouble later on.

This invention was made in view of these problems.
First, an object of the present invention is to provide a withdrawal method for an automatic transaction processing device that eliminates forgetting to take cash by discharging cash.

+e1 Means for Solving the Problem The invention is characterized by accepting a medium including a card or a bankbook, processing a transaction based on the data of this medium, discharging cash and subsequently returning said medium. shall be.

ff) Operation In the withdrawal method of the automatic transaction processing device according to the present invention, when the withdrawal transaction is completed, the cash is first discharged, and then the medium is returned. The customer first receives cash, stores the cash, and then receives the medium back.

(Effect of the phantom invention According to this invention, the cash is released first at the end of the withdrawal transaction, so the customer does not forget to take the cash.
Next, the media is returned, but even if the customer forgets to take the media, the media has a code (deposit account number, etc.) that identifies the owner, so it can be easily retrieved. The owner can be identified and returns are easy. Furthermore, since media such as cards and passbooks have no value as they are, they are less likely to arouse the intention of unauthorized use by others (they are safer than cash).

(hl Embodiment Figure 2 is an external view of an ATM which is an embodiment of the present invention.A handling display 1 is provided on the vertical panel surface of the customer operation panel of this ATM to indicate when the machine is in operation. A passbook insertion slot 2 for inserting a deposit passbook and a card insertion slot 3 for inserting a cash card are installed, and a bill deposit/withdrawal slot 4, a CRT 5, and a coin withdrawal section 7 are installed on the horizontal panel surface. A touch panel switch 6 is attached to the surface of the CRT 5 to detect whether or not a finger or the like touches the CRTS and its position.A transaction type selection key and numeric keypad are displayed on the CRT 5 at each step of the transaction, and the customer can The touch panel switch 6 detects the depression of the key.In addition, cash (banknotes) is ejected from the deposit/withdrawal port 4 during a withdrawal transaction.

FIG. 3 is a block diagram of the control section of the ATM. This control section is composed of a master-slave system.

That is, a main control unit 11 that controls the operation of the entire device is composed of a master CPU (M-CPU) 10, a ROM 10a that stores a control program, and a RAM 10b. Auxiliary control units 13a to 13g to which devices are connected are connected. The auxiliary control units 13a to 13g are slave CPUs.
(S-CPTJ) 12a to 12g, ROM 24a to 24g that stores the operating program of each 5-CPU, RAM 25a to 25g that stores various input and output data.
It consists of A banknote deposit and withdrawal machine 14 that counts banknotes to be withdrawn and discharges them to the deposit and withdrawal port 4 is connected to the auxiliary control unit 13a. A pilchevka 15 that determines the authenticity of banknotes deposited through the deposit/withdrawal port 4 is connected to the auxiliary control section 13b. A slip issuing machine 16 that issues a transaction statement slip and a card reader 17 are connected to the auxiliary control section 13c. A passbook printing machine 18 is connected to the auxiliary control unit 13d. A key manual device 21 including the touch panel switch 6 and a display 22 including the CRT 5 are connected to the auxiliary control section 13e. A coin processing machine 19 for processing coin deposits and withdrawals in the coin withdrawal section 7 is connected to the auxiliary control section 13f. A floppy disk device 26 for data backup is connected to the auxiliary control section 13g. Further, a transmission control unit 20 for communicating with the center via a dedicated line is connected to the internal bus.

FIG. 1 is a flowchart showing the withdrawal transaction processing operation of the ATM. First, step nl (hereinafter referred to as “step ni”)
is called “ni”. ), the withdrawal transaction is selected by the user. Selection of this withdrawal transaction is performed by pressing a transaction selection key displayed on the CRT 5. After this card,
The medium such as a passbook is the passbook insertion slot 2. This is done through the card insertion slot 3 (n2), and then the PIN number and withdrawal amount are entered using the numeric keypad displayed on the CRT 5 (n2).
3). Send the media data and key input data to the center and inquire whether the transaction is possible (n4). If the reply from the center is that the transaction is possible, proceed to n6 based on the judgment of n5 and count the cash to be withdrawn. The banknotes are transported to the banknote deposit/withdrawal port 4. In parallel with this operation, the details of the transaction are printed on the bankbook (or transaction slip if no bankbook is inserted) (n7). After this, open the lid of bill deposit/withdrawal slot 4 and release the cash (n8)
. At this time, the message "Please take cash" is displayed on the CRT 5, and at the same time, audio guidance with the same content is also provided. Thereafter, the medium is returned from the passbook insertion slot 2 and the card insertion slot 3, and the CRT 5 displays the message "Please receive your card and passbook" and provides audio guidance with the same content.

In addition, if the reply from the center is that transactions are not possible, n5
The process proceeds to nlO, returns the medium, and ends the operation. At this time as well, a display on the CRT 5 and audio guidance are provided.

In this way, this ATM first releases cash at the end of a withdrawal transaction, and then returns the medium.
The customer will not forget to take cash, and future troubles can be prevented. In addition, even if a customer forgets to take back the media that is to be returned later, the owner of the media can be easily determined, making it easier to return the media and making it more difficult to use illegally than cash. There is very little fear.

In addition, this ATM prevents forgetting to take out cash and media by displaying on the CRT 5 and providing voice guidance when discharging cash and returning media, thereby further reducing the number of times cash and media are forgotten.

[Brief explanation of drawings]

FIG. 1 is a flowchart showing the withdrawal transaction operation of an ATM that is an embodiment of the present invention, and FIGS.
This is an external view and a block diagram of the control unit. 2-Passbook insertion slot, 3-Card insertion slot, 4-Banknote deposit/withdrawal slot.

Claims (1)

[Claims] (1) After accepting media including cards or passbooks,
A withdrawal method for an automatic transaction processing device, characterized in that the transaction is processed based on data on the medium, cash is released, and the medium is subsequently returned.