CN101436329A - Automatic transaction apparatus and system - Google Patents
Automatic transaction apparatus and system Download PDFInfo
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- CN101436329A CN101436329A CN 200810149507 CN200810149507A CN101436329A CN 101436329 A CN101436329 A CN 101436329A CN 200810149507 CN200810149507 CN 200810149507 CN 200810149507 A CN200810149507 A CN 200810149507A CN 101436329 A CN101436329 A CN 101436329A
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Abstract
The invention provides an auto-trade device. Even An auto-trade device which does not execute cash transfer transaction also can deposit the cash brought by customers to execute transfer transaction which can be finished in short time. The auto-trade device carries out the transaction of depositing the total cash accounted by a depositing and withdrawing part (13); besides, the transfer transactions between accounts can also be executed based on the information of the transfer object input by a inputting part and the transfer amount which is less than the cash total input from a customer operator part.
Description
Technical field
The present invention relates to be located at bank and other financial mechanism, the automatic trading apparatus and the automated trading system of transaction such as the operation of accepting client carries out the deposit or the payment of cash, transfer accounts.
Background technology
Automatic trading apparatus in the past and automated trading system can be accepted client's operation and carry out: will put cash into and put into the credit transaction that the cash of the currency or coin of mouth deposits own account in; From the account of oneself, take out the transaction of paying in cash of cash; With the money transfer transactions of cash to other people account transfer.
In this money transfer transactions, the cash that to be put into is arranged to the cash money transfer transactions of other people account transfer with move money transfer transactions between the account of cash to other people account from oneself account, thereby money transfer transactions between cash money transfer transactions or account is carried out in the operation that makes automatic trading apparatus and automated trading system can accept client.
In addition, also has following device, promptly, carry out the compound keys of the payment transaction of cash or credit transaction and money transfer transactions simultaneously when being pressed when receiving indication, the payment transaction of this cash or credit transaction and money transfer transactions will be carried out simultaneously, thereby shorten the time (for example, with reference to patent documentation 1) of transaction.
Patent documentation 1: Japanese kokai publication sho 61-39186 communique (the 3rd page, Fig. 4)
Yet, in above-mentioned technology in the past, there are the following problems: consider client's safety and do not handle under the situation of cash money transfer transactions in financial institution, client just must be after the credit transaction of the account of having carried out cash deposited in oneself, carry out account between account that other people account the move money transfer transactions of this cash from oneself, thereby make that the time of the transaction that client carries out with automatic trading apparatus is elongated, thereby reduce the utilization factor of automatic trading apparatus.
In addition, even carry out credit transaction and money transfer transactions simultaneously, under the situation of having imported the amount of money of transferring accounts that exceeds account balance, owing to can't carry out this money transfer transactions, therefore just need carry out credit transaction once more, thereby exist the time of the transaction that client carries out with automatic trading apparatus elongated, and reduce the problem of the utilization factor of automatic trading apparatus.
In addition, transaction and money transfer transactions even withdraw the money simultaneously, total volume at the withdraw the money amount of money and the amount of money of transferring accounts imported has exceeded under the situation of account balance, owing to can't carry out this money transfer transactions, therefore just need carry out credit transaction once more, thereby exist the time of the transaction that client carries out with automatic trading apparatus elongated, and reduce the problem of the utilization factor of automatic trading apparatus.
Summary of the invention
The objective of the invention is to, solve such problem.
For this reason, in the automatic trading apparatus of concluding the business, it is characterized in that be provided with: portion deposits and withdraws in the client's of acceptance provided by the invention operation, it will put bank note that cash puts into mouthful into or the cash of coin is counted, and calculate the total value of representing this cash put into the cash total value; Input part, input be used to determine the to transfer accounts object information of transferring accounts of account of object; Client operating portion, it accepts the input of following mode, promptly, the input of the amount of money of transferring accounts of transferring accounts in the account by the represented object of transferring accounts of the object information of transferring accounts of above-mentioned input part input is put into below the cash total value above-mentioned, thereby can carry out the above-mentioned credit transaction of putting into the cash total value, and the amount of money of transferring accounts based on the input of being imported by above-mentioned input part of transferring accounts object information and being accepted by above-mentioned client operating portion carries out money transfer transactions in the above-mentioned scope of putting into the cash total value.
Such the present invention can obtain following effect, that is, can shorten the time of the transaction that client carries out with automatic trading apparatus, thereby can improve the utilization factor of automatic trading apparatus.
Description of drawings
Fig. 1 is the block diagram of the formation of the expression automatic trading apparatus of first embodiment and automated trading system.
Fig. 2 is the process flow diagram of the deposit transfer transaction processing of expression first embodiment.
Fig. 3 is the process flow diagram that the money transfer transactions of withdrawing the money of expression first embodiment is handled.
Fig. 4 is the block diagram of the formation of the expression automatic trading apparatus of second embodiment and automated trading system.
Fig. 5 is the process flow diagram of the deposit transfer transaction processing of expression second embodiment.
Fig. 6 is the process flow diagram that the money transfer transactions of withdrawing the money of expression second embodiment is handled.
Fig. 7 is the process flow diagram of the deposit transfer transaction processing of expression the 3rd embodiment.
Fig. 8 is the process flow diagram that the money transfer transactions of withdrawing the money of expression the 3rd embodiment is handled.
Symbol description is as follows among the figure: the 1... automatic trading apparatus; 2... this bank main; The object bank main 3... transfer accounts; 4... communication line; 11... client operating display part; 12... card division; The portion 13... deposit and withdraw; 14... storage part; 15... control part.
Embodiment
Below, the embodiment to automatic trading apparatus of the present invention and automated trading system describes referring to accompanying drawing.
Fig. 1 is the block diagram of the formation of the expression automatic trading apparatus of first embodiment and automated trading system.
Among Fig. 1,1 is automatic trading apparatus, is the device of being located in shops such as the shop of bank and other financial mechanism or convenience store or airport, the station etc.This automatic trading apparatus 1 is accepted client's operation, from receiving the permission of transaction with the following epigyny device that mode communicatedly connects by communication line 4, and transaction such as carry out that cash withdrawal or spot assets, cash are transferred accounts.In addition, the details of automatic trading apparatus 1 will be narrated in the back.
2 is this bank main as the epigyny device of automatic trading apparatus 1, be located at have above-mentioned automatic trading apparatus 1 bank and other financial mechanism (hereinafter referred to as " this bank ".) the device at office center etc.This this bank main 2 possesses: as the computing of CPU (Central ProcessingUnit), MPU (Micro Processing Unit) etc. and the control part of control module; Storage part as the storage unit of disk, semiconductor memory etc.; And as Department of Communication Force of communication unit etc., and connect in the mode that can intercom mutually with automatic trading apparatus 1 etc. by communication line 4.
In addition, this this bank main 2 and automatic trading apparatus 1 between carry out the transmitting-receiving of transaction such as cash withdrawal, spot assets texts, judge whether to make client's transaction to set up, and carry out the processing of this transaction.Whether in addition, utilize client's account number and client's password etc., be my affirmation in person.
The 3rd, as the object bank main of transferring accounts of the epigyny device of automatic trading apparatus 1, be to be located at the financial institution of bank different etc. (hereinafter referred to as " his bank " with the financial institution that has automatic trading apparatus 1 and this bank main 2.) the device at office center etc.This object bank main 3 of transferring accounts also possesses: as the computing of CPU, MPU etc. and the control part of control module; Storage part as the storage unit of disk, semiconductor memory etc.; And as Department of Communication Force of communication unit etc., and the automatic trading apparatus 1 by communication line 4 and this bank or his bank etc. connects in the mode that can intercom mutually.
In addition, this transfer accounts object bank main 3 and the automatic trading apparatus 1 of this bank or his bank between the transmitting-receiving of transaction text such as carry out that cash is transferred accounts, judge whether to make client's transaction to set up, and carry out the processing of this transaction.
So automated trading system, by automatic trading apparatus 1, this bank main 2, the object bank main 3 and they are constituted with communication line 4 of can mode communicatedly connecting etc. of transferring accounts, for example automatic trading apparatus 1 and this bank main 2 are devices of being located at A bank, and the object bank main 3 of transferring accounts is devices of being located at B bank.
In addition, though this bank main 2 is commonly called " main frame ", yet in the present embodiment in order to distinguish with the object bank main 3 of transferring accounts, and be called " this bank main ".
Below, the formation of automatic trading apparatus 1 is described.
The 11st, as the client operating display part of input part, constitute by display parts such as operating portions such as touch panel and LCD.This client operating display part 11, on display parts such as CRT monitor or LCD, dispose touch panel, detect input operation that client carries out etc., in addition, show: client's picture of guiding such as input operation and the information of being imported etc. are carried out in the transaction that transaction selects picture, select at client.
Detect input operation etc. to following control part output signal and notice by client operating display part 11.
The 12nd, as the card division of input part, possess card and read writing unit and card supply unit etc.This card division 12 can be read operation according to client and be inserted into card and insert the information that is write down in the magnetic stripe of the card of returning mouthful, perhaps to wherein writing down information arbitrarily.
In addition, insert at this card and to return the unit that mouth is provided with the extraction of the unit of insertion of test card and test card, can be with the card that reads or write of the information of being through with, insert from card and to discharge and to return to client returning mouthful.
In addition, card division 12, possess: detail form conveying mechanism and detail form printing mechanism, can utilize the detail form printing mechanism to be printed on the detail form transaction content of carrying out according to client's operation etc., and utilize the detail form conveying mechanism this detail form to be discharged from the detail form escape hole and issue to client.
What in addition, record account number etc. in the magnetic stripe of card is used to discern the account accounts information that client has.
The 13rd, the portion that deposits and withdraws is made of bill depositing/dispensing apparatus and coin automatic teller machine.This portion 13 that deposits and withdraws follows the processing of depositing and withdrawing of the currency or coin of cash withdrawal transaction or spot assets transaction.At this, deposit is handled and to be meant, client is put into the bank note of depositing and drawing port, counts and is accommodated in the strong-room by bill depositing/dispensing apparatus, with putting into the coin of depositing and drawing port, is counted and is accommodated in the strong-room by the coin automatic teller machine.In addition, withdrawing the money to handle is meant, will with suitable bank note and the coin of the amount of money according to client's operation appointment, from the strong-room of bill depositing/dispensing apparatus and coin automatic teller machine, derive respectively and count, and be transported to depositing and drawing port and pay client.
In this depositing and drawing port, be provided with the mechanism of bank note that detection inserts and coin and detect the bank note of institute's conveyance and the mechanism that takes away of coin.
In addition, the portion 13 that deposits and withdraws is not limited to be made of bill depositing/dispensing apparatus and coin automatic teller machine, also can be only become by cash deposit machine.
The 14th, storage part, it is made of semiconductor memory or disk etc., can canned data, and read this canned data.Storage in this storage part 14: the control program (software) of the action of control automatic trading apparatus 1 integral body, be shown in the picture data of client operating display part 11 and information that the exchange that client carries out is needed etc.
The 15th, control part is made of the computing of CPU etc. and control module etc.This control part 15, based on the control program that is stored in storage part 14 (software), control the action of automatic trading apparatus 1 integral body, that is, control comprise client operating display part 11, card division 12, the portion 13 that deposits and withdraws, storage part 14 and carry out and this bank main 2 or the object bank main 3 of transferring accounts etc. between the action of not shown Department of Communication Force of Control on Communication.
So automatic trading apparatus 1, constitute by client operating display part 11, card division 12, the portion 13 that deposits and withdraws, storage part 14, control part 15 and Department of Communication Force etc., can accept client's operation, from as the permission that receives transaction this bank main 2 of epigyny device or the object bank main 3 of transferring accounts, transaction such as carry out that cash withdrawal or spot assets, cash are transferred accounts.
Effect to above-mentioned formation describes.
At first, to carrying out the processing of credit transaction and money transfer transactions simultaneously, the step of representing with S among the figure according to the process flow diagram of the deposit transfer transaction processing of expression first embodiment of Fig. 2 describes.
In addition, the action of each one that illustrates in each following embodiment is based on the program (software) in the storage unit such as being stored in not shown storer or disk, and is controlled by not shown control modules such as central processing unit.
S1a: when the non-contacting sensor that utilizes not shown automatic trading apparatus 1 detect client near the time, then according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 shows that the card of urging client to insert card inserts guide picture.Client inserts guide picture according to card, and 12 card inserts escape hole and inserts from the card division with the card held.Accounts informations such as account number are read in card division 12 from the magnetic stripe of the card that inserted.
S2a: after card was inserted into, then client operating display part 11 showed the password input picture of the password input of accepting client.Reach the operating key that " 0 " key etc. is constituted in this password input screen displayed by " 1 " to " 9 ".When client operating display part 11 display passwords input picture, client just presses shown operating key input password.
When client inputed password, control part 15 sent with the accounts information that reads from card etc. this password by communication line 4 to this bank main 2.
This bank main 2 retrieve not shown customer database based on the client's who receives accounts informations such as account number, extracts password, carries out whether consistent checking with the password comparison of reception,, carries out authenticate himself that is.This bank main 2 sends this result by Department of Communication Force to automatic trading apparatus 1.
In addition, the mode that authenticate himself is not limited to access to your password also can be to use the authenticate himself of organism authentication etc.
S3a: when the result of authenticate himself is, can be confirmed to be this man-hour, then according to the indication of control part 15, client operating display part 11 shows that conventional transaction selects picture.Picture is selected in this transaction, by " welcome.Please option dealing." wait statement, and transaction options buttons such as " withdrawing the money ", " transferring accounts ", " deposit ", " deposit transfer " constitute.
When client operating display part 11 shows that picture is selected in transaction, client promptly presses " deposit transfer " key that carries out credit transaction and money transfer transactions simultaneously.
S4a: according to the indication of the control part of pressing 15 that detects " deposit transfer " key, the portion 13 that deposits and withdraws begins deposit and handles, and open access money mouth is waited for putting into of cash, and client puts into cash in this depositing and drawing port.
S5a: when detecting cash and be placed into, the portion 13 that then deposits and withdraws deposits processing, and the cash of being put into is counted, and puts into the cash total value thereby calculate as the amount of money of this cash.
S6a: on the other hand, in the action of the cash counting that the portion of depositing and withdrawing 13 carries out, according to the indication of control part 15, client operating display part 11 accept to be used to determine the to transfer accounts input of the object information of transferring accounts of the object account of transferring accounts of the financial institution of object, the account number of the object of transferring accounts etc.
S7a: in addition, according to the indication of control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money.
S8a: during the end of input of the transfer accounts object information and the amount of money of carrying out when the counting of the cash of being put into and according to client's operation of transferring accounts, according to the indication of control part 15, client operating display part 11 shows: the amount of money and deduct the amount deposited that the amount of money of transferring accounts is calculated from putting into the cash total value of transferring accounts of putting into the cash total value, being imported of the cash of having counted.
Client confirms shown to put into the cash total value, the transfer accounts amount of money and amount deposited, and presses " affirmation " key, client operating display part 11 accept should " affirmation " keys press.
At this, surpass at the amount of money of being imported of transferring accounts and to put under the situation of cash total value, client operating display part 11 shows these message, and the input of the amount of money of accepting once more to transfer accounts.That is, will put into the input of the amount of money of transferring accounts below the cash total value as effectively input.
S9a: when accepting the pressing of " affirmations " key, control part 15 is with the object information of transferring accounts, the amount of money of transferring accounts imported, entrust this notice of transferring accounts to object bank main 3 transmissions of transferring accounts.
The object bank main 3 of transferring accounts carries out money transfer transactions based on transfer accounts object information and the amount of money of transferring accounts accepted to be handled, and its result is sent to automatic trading apparatus 1.In addition, though handling normally, the money transfer transactions of carrying out for the object bank main 3 of transferring accounts in the present embodiment finishes, the notice of money transfer transactions being handled the message that normally finishes sends to automatic trading apparatus 1, yet making money transfer transactions handle under the situation about normally not finishing because of the mistake of the object account number of transferring accounts etc., then the notice with this message sends to automatic trading apparatus 1, and according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 shows the message that the money transfer transactions processing does not normally finish, and accepts the operation of this transaction of cancellation.
S10a: the control part 15 of the automatic trading apparatus 1 of the notice that receiving transfers accounts handles the message that normally finishes, reach the accounts information that from card, reads with the amount deposited that in S8a, is calculated, to entrust the notice of the deposit of this amount deposited to client's account, send to this bank main 2.
This bank main 2 upgrades the credit transaction of the existing volume of clients account and handles, and this result is sent to automatic trading apparatus 1 based on the amount deposited and the accounts information that receive.
In the present embodiment, though be the deposit of entrusting the amount deposited that in S8a, calculates to this bank main 2, yet also can temporarily entrust the deposit of putting into the cash total value to this bank main 2, with the object information of being imported via this bank main 2 of transferring accounts, the amount of money of transferring accounts, send this notice of transferring accounts of trust to the object bank main 3 of transferring accounts, carry out money transfer transactions between account.At this moment, for from client's account, deducting the amount of money of the amount of money that is equivalent to transfer accounts.
S11a: according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 shows the result that the credit transaction that receives is handled, and client is returned to the card that is inserted in card division 12.
Then, to the transaction and the processing of money transfer transactions of withdrawing the money simultaneously, the step of representing with S among the figure of the process flow diagram of handling according to the money transfer transactions of withdrawing the money of expression first embodiment of Fig. 3 describes.
S1b, S2b: since identical with S1a, the S2a of Fig. 2, its explanation therefore omitted.
S3b: when the result of authenticate himself is, can confirm as this man-hour, then according to the indication of control part 15, client operating display part 11 shows that conventional transaction selects picture.This transaction selects picture by " welcome.Please option dealing." wait statement, and transaction options buttons such as " withdrawing the money ", " transferring accounts ", " deposit ", " withdraw the money and transfer accounts " constitute.
When client operating display part 11 shows that picture is selected in transaction, client promptly presses " withdraw the money and transfer accounts " key of withdraw the money simultaneously transaction and money transfer transactions.
S4b: according to the indication of the control part of pressing 15 that detects " withdraw the money and transfer accounts " key, client operating display part 11 accept the to transfer accounts input of the object information of transferring accounts of the financial institution of object, the account number of the object of transferring accounts etc.
S5b: then, indication according to control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money and the amount of money of withdrawing the money, wherein, the amount of money of transferring accounts is the amount of money of transferring accounts in the account of being represented by the object information of transferring accounts, the amount of money of withdrawing the money is the amount of money of the cash that takes out from the account of oneself of client, that is, and and the amount of money of being imported more than the amount of money of transferring accounts.
S6b: after the input of accept the to transfer accounts amount of money and the amount of money of withdrawing the money, control part 15 is this accounts information of withdrawing the money amount of money and reading from card, and will entrust the notice that deducts the amount of money of withdrawing the money from client's account, to 2 transmissions of this bank main.
This bank main 2 carries out deducting the transaction processing of withdrawing the money of the amount of money of withdrawing the money of reception from the account by the client shown in the accounts information, and this result is sent to automatic trading apparatus 1.At this moment, for also not carrying out payment, but make the state of the imaginary cash that in automatic trading apparatus 1, has the amount of money that is equivalent to withdraw the money to client's cash.
And, in the present embodiment, though the transaction processing of withdrawing the money of carrying out for this bank main 2 normally finishes, and the notice of the message that normally finishes of the transaction processing of will withdrawing the money sends to automatic trading apparatus 1, yet wait and to make under the situation that the transaction processing of withdrawing the money normally do not finish in that Sorry, your ticket has not enough value because of account, then the notice with this message sends to automatic trading apparatus 1, and according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 shows the message that the money transfer transactions processing does not normally finish, and accepts the operation of this transaction of cancellation.
S7b: then, control part 15 is the object information of being imported of transferring accounts, the amount of money of transferring accounts, and will entrust this notice of transferring accounts to send to the object bank main 3 of transferring accounts.
The object bank main 3 of transferring accounts, based on the transfer accounts object information and the amount of money of transferring accounts that receive, carrying out money transfer transactions handles, just with the cash of the amount of money of transferring accounts that is equivalent to be imported in the imaginary cash that is made of automatic trading apparatus 1, to the object account transfer of representing by the object information of transferring accounts of transferring accounts, and this result sent to automatic trading apparatus 1.
S8b: the control part 15 that receives the result's that money transfer transactions that the object bank main 3 of transferring accounts carries out handles automatic trading apparatus 1, from the amount of money of withdrawing the money, deduct the amount of money of transferring accounts, and according to the indication of control part 15, the portion 13 that deposits and withdraws is equivalent to the processing of withdrawing the money of the cash of this amount of money.
S9b: client extracts the cash of being paid by the portion of depositing and withdrawing 13 from depositing and drawing port.
S10b: when detecting being extracted of cash, then according to the indication of control part 15, client is returned to the card that is inserted in card division 12.
And, in the present embodiment, though be to be illustrated with following example, promptly, automatic trading apparatus 1 will transfer accounts object information, the amount of money of transferring accounts, and will entrust this notice of transferring accounts directly to send, yet also can be to send to the object bank main 3 of transferring accounts via this bank main 2 to the object bank main 3 of transferring accounts.
As described above, in first embodiment, owing to carry out money transfer transactions based on the amount of money of transferring accounts of transferring accounts object information and importing by client operating portion by the input part input, and carry out from putting into the credit transaction that the cash total value deducts the amount deposited of the amount of money of transferring accounts, thereby can obtain following effect, that is, the time of the transaction that client carries out with automatic trading apparatus can be shortened, thereby the utilization factor of automatic trading apparatus can be improved.
In addition, by carrying out money transfer transactions based on the amount of money of transferring accounts of transferring accounts object information and importing by client operating portion by the input part input, and carry out from the amount of money of withdrawing the money, having deducted the processing of withdrawing the money of cash of the amount of money of the amount of money of transferring accounts, just can access following effect, promptly, the time of the transaction that client carries out with automatic trading apparatus can be shortened, thereby the running rate of automatic trading apparatus can be improved.
Embodiment 2
The formation of second embodiment, be with the different of formation of first embodiment, be provided with the object database of transferring accounts in this bank main 2, constitute for this, the block diagram of the automatic trading apparatus of representing based on second embodiment of Fig. 4 and the formation of automated trading system describes.
In addition, the part identical with the first above-mentioned embodiment, the symbol that mark is identical, and omit its explanation.
In Fig. 4, the 21st, the object database of transferring accounts is located in the storage part of this bank main 2.
This object database 21 of transferring accounts, the accounts information that is used to discern the account that client has with account number etc. is associated, storage the transfer accounts financial institution of object, the object information of transferring accounts such as account number of the object of transferring accounts.Therefore, utilize the client of this bank just can register the object information of transferring accounts in advance.
Effect for above-mentioned formation describes.
At first, to carrying out the processing of credit transaction and money transfer transactions simultaneously, the step of representing with S among the figure according to the process flow diagram of the deposit transfer transaction processing of expression second embodiment of Fig. 5 describes.
S1c～S3c: since identical with S1a～S3a of Fig. 2, its explanation therefore omitted.
S4c: detect the control part 15 that " deposit transfer " key is pressed, will be from card the accounts information that read, and trust is registered in the notice that obtains of the object information of transferring accounts in the object database 21 of transferring accounts, send to this bank main 2.
This bank main 2 based on the accounts information that receives, is retrieved the object database 21 of transferring accounts, and extracts the object information of being registered of transferring accounts, and this object information of transferring accounts is sent to automatic trading apparatus 1.In addition, under the situation that does not have the object information of being registered of transferring accounts, this bank main 2 sends this message to automatic trading apparatus 1.
S5c: then, according to the indication of the control part 15 of automatic trading apparatus 1, the portion 13 that deposits and withdraws begins deposit and handles, and open access money mouth is waited for putting into of cash, and client puts into cash in this depositing and drawing port.
S6c: when detecting cash and be placed into, the portion 13 that then deposits and withdraws promptly deposits processing, and the cash of being put into is counted, and calculates to put into the cash total value as the amount of money of this cash.
S7c: on the other hand, in the action of the cash counting that the portion of depositing and withdrawing 13 carries out, control part 15 judges whether can receive the object information of transferring accounts from this bank main 2, under the situation that can receive the object information of transferring accounts, S8c is transferred in processing, under the situation that can't receive the object information of transferring accounts, promptly under the situation that receives the message that does not have the object information of transferring accounts, S9c is transferred in processing.
S8c: according to the indication of the control part 15 of the automatic trading apparatus 1 that receives the object information of transferring accounts, client operating display part 11 shows the complete list of the object of transferring accounts that transfer accounts object financial institution title, the object account number of transferring accounts etc. are registered in advance based on the object information of transferring accounts that receives.
Client is chosen in the object of transferring accounts of the cash of transferring accounts in this transaction from the complete list of the shown object of transferring accounts, client operating display part 11 is accepted this selection, and the input of the amount of money of accepting to transfer accounts, and S12c is transferred in processing.
S9c: under the situation that can't receive the object information of transferring accounts, according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 accept the to transfer accounts input of the object information of transferring accounts such as account number of the financial institution of object, the object of transferring accounts.
S10c: then, according to the indication of control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money.
S11c: the accounts information that control part 15 is transferred accounts object information such as the financial institution of the object of transferring accounts imported, the account number of the object of transferring accounts and read from card, and will entrust the notice of the registration of this object information of transferring accounts, to 2 transmissions of this bank main.
Receive this bank main 2 of this trust, will be associated with the accounts information that receives, the object information of transferring accounts that receives is protected and is registered in the object database 21 of transferring accounts.
S12c～S15c: since identical with S8a～S11a of Fig. 2, its explanation therefore omitted.
Below, to the transaction and the processing of money transfer transactions of withdrawing the money simultaneously, the step of representing with S among the figure of the process flow diagram that the money transfer transactions of withdrawing the money of second embodiment that represents according to Fig. 6 is handled describes.
S1d～S3d: since identical with S1b～S3b of Fig. 3, its explanation therefore omitted.
S4d: detect the control part 15 that " withdraw the money and transfer accounts " key is pressed, will be from card the accounts information that read, and trust is registered in the notice that obtains of the object information of transferring accounts in the object database 21 of transferring accounts, send to this bank main 2.
This bank main 2 based on the accounts information that receives, is retrieved the object database 21 of transferring accounts, and extracts the object information of being registered of transferring accounts, and this object information of transferring accounts is sent to automatic trading apparatus 1.In addition, under the situation that does not have the object information of being registered of transferring accounts, this bank main 2 sends this message to automatic trading apparatus 1.
S5d: then, control part 15 judges whether can receive the object information of transferring accounts from this bank main 2, under the situation that can receive the object information of transferring accounts, S6d is transferred in processing, under the situation that can't receive the object information of transferring accounts, promptly under the situation that receives the message that does not have the object information of transferring accounts, S8d is transferred in processing.
S6d: according to the indication of the control part 15 of the automatic trading apparatus 1 of the object information of transferring accounts that receives, client operating display part 11 shows the complete list of the object of transferring accounts that transfer accounts object financial institution title, the object account number of transferring accounts etc. are registered in advance based on the object information of transferring accounts that receives.
Client is chosen in the object of transferring accounts of the cash of transferring accounts in this transaction from the complete list of the shown object of transferring accounts, client operating display part 11 is accepted this selection, and the input of the amount of money of accepting to transfer accounts.
S7d: then, according to the indication of control part 15, client operating display part 11 is accepted the input of the following amount of money of withdrawing the money, and, accepts the amount of money of the cash that takes out from the account of oneself that is, in the input of transferring accounts more than the amount of money, and processing is transferred to S11d.
S8d: under the situation that can't receive the object information of transferring accounts, according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 accept the to transfer accounts input of the object information of transferring accounts such as account number of the financial institution of object, the object of transferring accounts.
S9d: then, indication according to control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money and the amount of money of withdrawing the money, wherein, the amount of money of transferring accounts is the amount of money of transferring accounts in the account of being represented by the object information of transferring accounts, the amount of money of withdrawing the money is the amount of money of the cash that takes out from the account of oneself of client, that is, and and the amount of money of being imported more than the amount of money of transferring accounts.
S10d: control part 15, the accounts information that the financial institution of the object of transferring accounts imported, the account number of the object of transferring accounts etc. are transferred accounts object information and read from card, and the notice of registration that will entrust this object information of transferring accounts is to 2 transmissions of this bank main.
Receive this bank main 2 of this trust, will be associated with the accounts information that is received, the object information of transferring accounts that receives is preserved and is registered in the object database 21 of transferring accounts.
S11d～S15d: since identical with S6b～S10b of Fig. 3, its explanation therefore omitted.
In addition, in the present embodiment, though be to describe with following example, promptly, automatic trading apparatus 1 will transfer accounts object information, the amount of money of transferring accounts, and will entrust this notice of transferring accounts directly to send, yet also can be to send to the object bank main 3 of transferring accounts via this bank main 2 to the object bank main 3 of transferring accounts.
As described above, in a second embodiment, except the effect of first embodiment, can also obtain following effect, promptly, be registered in by the object information of will transferring accounts in the object database 21 of transferring accounts of this bank main 2, thereby the input operation that can alleviate the object information of transferring accounts of being undertaken, can also reduce the holding time of each client's automatic trading apparatus 1 in addition by client.
The formation of the 3rd embodiment is with the different of formation of first embodiment, is provided with IC chip read write device in card division 12, therefore following formation to card division 12 describes, the part identical with the first above-mentioned embodiment, the symbol that mark is identical, and omit its explanation.
The card division 12 of automatic trading apparatus 1 possesses card and reads and write mechanism and card conveying mechanism etc.In addition, this card reads and writes mechanism, constitute by IC-card read-write portion and magnetic card read-write portion, IC-card read-write portion inserts return mouthful (situation of contact-type IC-card) or close read/write surface for read (situation of non-contact IC card) by client's operation insertion card, thereby can from the IC chip (memory element) of IC-card, read information, can also store information arbitrarily in addition, magnetic card read-write portion can be by client operation insert the magnetic stripe of the card of returning mouthful and read the information that is write down from being inserted into card, can also write down information arbitrarily in addition.
In addition, insert at this card and to return the mechanism that mouth is provided with the extraction of the mechanism of insertion of test card and test card, thereby the card that reads or write of the information that is through with can insert to return mouthful to discharge and return to client from card.
In addition, card division 12, possess detail form conveying mechanism and detail form printing mechanism, transaction content that can carry out according to client's operation etc. utilizes the detail form printing mechanism to be printed on the detail form, and utilizes the detail form conveying mechanism this detail form to be discharged from the detail form escape hole and issue to client.
In addition, record in the IC chip of card: account number etc. are used to discern the accounts information of the account that client has and the financial institution of the object of transferring accounts, the object information of transferring accounts such as account number of the object of transferring accounts.In addition, card division 12 also can be for not possessing the formation of magnetic card read-write portion.
Effect for above-mentioned formation describes.
And the following description is to describe as the formation of having used the contact-type IC-card.
At first, to carrying out the processing of credit transaction and money transfer transactions simultaneously, the step of representing with S among the figure according to the process flow diagram of the deposit transfer transaction processing of expression the 3rd embodiment of Fig. 7 describes.
S1e: when the non-contacting sensor that utilizes not shown automatic trading apparatus 1 detect client near the time, then according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 show urge client insert card card insert guide picture.Client inserts guide picture according to card, and 12 card inserts escape hole and inserts from the card division with the card held.Accounts informations such as account number are read in card division 12 from the IC chip of the card that inserted or magnetic stripe.
S2e: in addition, the object information of transferring accounts is read in card division 12 from the IC chip of card.
So by from the card the IC chip read the object information of transferring accounts, thereby automatic trading apparatus 1 just can be obtained the object information of transferring accounts at short notice.
S3e, S4e: since identical with S2c, the S3c of Fig. 5, its explanation therefore omitted.
S5e, S6e: since identical with S5c, the S6c of Fig. 5, its explanation therefore omitted.
S7e: on the other hand, in the counting action of the cash that the portion of depositing and withdrawing 13 carries out, control part 15 judges whether can read the object information of transferring accounts from the IC chip of card, under the situation that can read the object information of transferring accounts, S8e is transferred in processing, under the situation that can't read the object information of transferring accounts, promptly under the situation that does not have the object information of transferring accounts, S9e is transferred in processing.
S8e: according to the indication of the control part 15 of the automatic trading apparatus 1 of the object information of transferring accounts that reads, client operating display part 11 shows the complete list of the object of transferring accounts that transfer accounts object financial institution title, the object account number of transferring accounts etc. are registered in advance based on the object information of transferring accounts that receives.
Client is chosen in the object of transferring accounts of the cash of transferring accounts in this transaction from the complete list of the shown object of transferring accounts, client operating display part 11 is accepted this selection, and the input of the amount of money of accepting to transfer accounts, and S12e is transferred in processing.
S9e: under the situation that can't read the object information of transferring accounts, according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 accept the to transfer accounts input of the object information of transferring accounts such as account number of the financial institution of object, the object of transferring accounts.
S10e: then, according to the indication of control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money.
S11e: according to the indication of control part 15, card division 12 writes the IC chip of card with the financial institution of the object of transferring accounts imported, the object information of transferring accounts such as account number of the object of transferring accounts, and registers this object information of transferring accounts.
S12e～S15e: since identical with S8a～S11a of Fig. 2, its explanation therefore omitted.
Below, to the transaction and the processing of money transfer transactions of withdrawing the money simultaneously, the step of representing with S among the figure of the process flow diagram of handling according to the money transfer transactions of withdrawing the money of expression the 3rd embodiment of Fig. 8 describes.
S1f: when the non-contacting sensor that utilizes not shown automatic trading apparatus 1 detect client near the time, then according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 shows that the card of urging client to insert card inserts guide picture.Client inserts guide picture according to card, and 12 card inserts escape hole and inserts from the card division with the card held.Accounts informations such as account number are read in card division 12 from the IC chip of the card that inserted or magnetic stripe.
S2f: in addition, the object information of transferring accounts is read in card division 12 from the IC chip of card.
S3f, S4f: since identical with S2d, the S3d of Fig. 6, its explanation therefore omitted.
S5f: then, control part 15 judges whether can read the object information of transferring accounts from the IC chip of card, under the situation that can read the object information of transferring accounts, S6f is transferred in processing, under the situation that can't read the object information of transferring accounts, promptly under the situation that does not have the object information of transferring accounts, S8f is transferred in processing.
S6f: according to the indication of the control part 15 of the automatic trading apparatus 1 that has read the object information of transferring accounts, client operating display part 11 shows the complete list of the object of transferring accounts that transfer accounts object financial institution title, the object account number of transferring accounts etc. are registered in advance based on the object information of transferring accounts that receives.
Client is chosen in the object of transferring accounts of the cash of transferring accounts in this transaction from the complete list of the shown object of transferring accounts, client operating display part 11 is accepted this selection, and the input of the amount of money of accepting to transfer accounts.
S7f: then, utilize the indication of control part 15, client operating display part 11 is accepted the input of the following amount of money of withdrawing the money, that is, the amount of money of the cash that client takes out from the account of oneself for the amount of money of transferring accounts more than the amount of money, is transferred to S11f with processing.
S8f: under the situation that can't read the object information of transferring accounts, according to the indication of the control part 15 of automatic trading apparatus 1, client operating display part 11 accept the to transfer accounts input of the object information of transferring accounts such as account number of the financial institution of object, the object of transferring accounts.
S9f: then, indication according to control part 15, client operating display part 11 accept the to transfer accounts input of the amount of money and the amount of money of withdrawing the money, wherein, the amount of money of transferring accounts is the amount of money of transferring accounts in the account of being represented by the object information of transferring accounts, the amount of money of withdrawing the money is the amount of money of the cash that takes out from the account of oneself of client, that is, and and the amount of money of being imported more than the amount of money of transferring accounts.
S10f: according to the indication of control part 15, card division 12 writes the IC chip of card with the financial institution of the object of transferring accounts imported, the object information of transferring accounts such as account number of the object of transferring accounts, and registers this object information of transferring accounts.
S11f～S15f: since identical with S6b～S10b of Fig. 2, its explanation therefore omitted.
In addition, in the present embodiment, though be to be illustrated with following example, promptly, automatic trading apparatus 1 will transfer accounts object information, the amount of money of transferring accounts, and will entrust this notice of transferring accounts directly to send, yet also can be to send to the object bank main 3 of transferring accounts via this bank main 2 to the object bank main 3 of transferring accounts.
As described above, in the 3rd embodiment, except the effect of first embodiment and second embodiment, can also obtain following effect, that is, by from the IC chip of card, reading the object information of transferring accounts, thereby can further shorten the time of the transaction that client carries out.
In addition, can also obtain the change of the formation of automated trading system is restricted to minimal effect.
In addition, in each embodiment, though adopted by constituting that automatic trading apparatus 1, this bank main 2 and the object bank main 3 of transferring accounts communicate, yet all being present under the situation in this bank main 2 in transfer accounts the people's account and the object account of transferring accounts, also can be by constituting that automatic trading apparatus 1 and this bank main 2 communicate.
Claims (5)
1. automatic trading apparatus, its operation of accepting client is concluded the business, it is characterized in that,
Be provided with:
The portion that deposits and withdraws, it will put bank note that cash puts into mouthful into or the cash of coin is counted, and calculate the total value of representing this cash put into the cash total value;
Input part, input be used to determine the to transfer accounts object information of transferring accounts of account of object;
Client operating portion, it accepts the input of following mode, that is, the input of the amount of money of transferring accounts of transferring accounts in the account of the object of transferring accounts that the object information of being imported by above-mentioned input part of transferring accounts is represented is put into below the cash total value above-mentioned,
Thereby can carry out the above-mentioned credit transaction of putting into the cash total value, and, carry out money transfer transactions in the above-mentioned scope of putting into the cash total value based on the amount of money of transferring accounts of the input of importing by above-mentioned input part of transferring accounts object information and accepting by above-mentioned client operating portion.
2. automatic trading apparatus, its operation of accepting client is concluded the business, it is characterized in that,
Be provided with:
Input part, input be used to determine the to transfer accounts object information of transferring accounts of object account;
Client operating portion, the amount of money of transferring accounts that it accepts to transfer accounts in the account of the object of transferring accounts that the object information of being imported by above-mentioned input part of transferring accounts is represented reaches the input at this amount of money of withdrawing the money more than the amount of money of transferring accounts;
The portion that deposits and withdraws, its cash that will deduct the amount of money of the above-mentioned amount of money of transferring accounts from the above-mentioned amount of money of withdrawing the money is counted, and to client's expenditure,
Thereby can carry out money transfer transactions based on transfer accounts object information and the amount of money of transferring accounts imported by client operating portion imported by above-mentioned input part, and can carry out from the above-mentioned amount of money of withdrawing the money, deducting the processing of withdrawing the money of cash of the amount of money of the above-mentioned amount of money of transferring accounts.
3. automatic trading apparatus according to claim 1 and 2 is characterized in that, with above-mentioned input part, as the client operating portion of the input of the object information of accepting by client's operation to transfer accounts.
4. automatic trading apparatus according to claim 1 and 2 is characterized in that, with above-mentioned input part, as the card division of the transfer accounts object information of reading and recording in the IC chip of card.
5. automated trading system, it possesses the automatic trading apparatus that carries out following transaction, promptly, accept client's operation, and receive permission, carry out in this client's account, depositing in the credit transaction of cash, perhaps from this client's account, take out the transaction of withdrawing the money of cash from main frame, it is characterized in that
Be provided with:
The object main frame of transferring accounts, its permission is moved transferring accounts of cash to client's account;
Any described automatic trading apparatus in the claim 1 to 4,
Above-mentioned automatic trading apparatus, the notice of transferring accounts that moves the above-mentioned amount of money cash of transferring accounts in the object account of transferring accounts represented by the above-mentioned object information of transferring accounts will be entrusted, send to the above-mentioned object main frame of transferring accounts, and receive its permission and carry out money transfer transactions from this object main frame of transferring accounts.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2007298254 | 2007-11-16 | ||
| JP2007298254A JP5248842B2 (en) | 2007-11-16 | 2007-11-16 | Automatic transaction apparatus and automatic transaction system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101436329A true CN101436329A (en) | 2009-05-20 |
Family
ID=40710758
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200810149507 Pending CN101436329A (en) | 2007-11-16 | 2008-09-10 | Automatic transaction apparatus and system |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JP5248842B2 (en) |
| CN (1) | CN101436329A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105528835A (en) * | 2015-12-11 | 2016-04-27 | 深圳怡化电脑股份有限公司 | Real-time cash collection control method and system of cash box |
| CN107845214A (en) * | 2016-09-20 | 2018-03-27 | 东芝泰格有限公司 | Checkout apparatus and its control method, semi-self-service accounting device |
| CN109191657A (en) * | 2018-07-09 | 2019-01-11 | 阿里巴巴集团控股有限公司 | A kind of change exchanging method, device, server |
Family Cites Families (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2901287B2 (en) * | 1989-11-09 | 1999-06-07 | ローレルバンクマシン株式会社 | Automatic transfer processing system |
| JPH08161591A (en) * | 1994-12-02 | 1996-06-21 | Oki Electric Ind Co Ltd | Automatic transfer transaction method |
| JPH09147190A (en) * | 1995-11-22 | 1997-06-06 | Oki Electric Ind Co Ltd | Device and method for automatic transaction |
| JPH10208116A (en) * | 1997-01-21 | 1998-08-07 | Oki Electric Ind Co Ltd | Compound transaction method for automatic transaction machine |
| JPH1186090A (en) * | 1997-09-11 | 1999-03-30 | Oki Software Kyushu:Kk | Automatic transaction machine |
| JP2001357434A (en) * | 2000-06-16 | 2001-12-26 | Oki Software Kk | Transferring method, money inputting method and transaction device using the methods |
| JP2006338427A (en) * | 2005-06-03 | 2006-12-14 | Hitachi Omron Terminal Solutions Corp | Transfer transaction method of automated cash transaction device |
| JP2007011898A (en) * | 2005-07-01 | 2007-01-18 | Fujitsu Ltd | Automatic transaction device, transaction management system, and method thereof |
| JP4830423B2 (en) * | 2005-09-26 | 2011-12-07 | 沖電気工業株式会社 | Automatic transaction system and automatic transaction device |
| JP2007179299A (en) * | 2005-12-28 | 2007-07-12 | Oki Electric Ind Co Ltd | Automatic transaction device and ic card use system |
-
2007
- 2007-11-16 JP JP2007298254A patent/JP5248842B2/en not_active Expired - Fee Related
-
2008
- 2008-09-10 CN CN 200810149507 patent/CN101436329A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105528835A (en) * | 2015-12-11 | 2016-04-27 | 深圳怡化电脑股份有限公司 | Real-time cash collection control method and system of cash box |
| CN105528835B (en) * | 2015-12-11 | 2018-03-02 | 深圳怡化电脑股份有限公司 | A kind of cash box receives the control method and system of paper money in real time |
| CN107845214A (en) * | 2016-09-20 | 2018-03-27 | 东芝泰格有限公司 | Checkout apparatus and its control method, semi-self-service accounting device |
| US11062571B2 (en) | 2016-09-20 | 2021-07-13 | Toshiba Tec Kabushiki Kaisha | Settlement apparatus and method of settling a transaction using the same |
| CN109191657A (en) * | 2018-07-09 | 2019-01-11 | 阿里巴巴集团控股有限公司 | A kind of change exchanging method, device, server |
| CN109191657B (en) * | 2018-07-09 | 2020-07-03 | 阿里巴巴集团控股有限公司 | Change exchange method, device and server |
Also Published As
| Publication number | Publication date |
|---|---|
| JP5248842B2 (en) | 2013-07-31 |
| JP2009123085A (en) | 2009-06-04 |
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Application publication date: 20090520 |