JP2001005898A - Automatic teller machine provided with transfer transacting function by transferring card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To execute transferring transaction without making a customer re- input information on a transferring destination, etc., even when contents printed on a transferring card cannot be read by reading contents printed to the transferring card when the read content of the magnetic data in the transferring card is not normal. SOLUTION: At the time of inserting a transferring card 1 to the magnetic card reading and writing part 3 of an automatic teller machine 2, magnetically recorded data on the rear surface of the card 1 is read and a magnetic data deciding means 2b judges whether the data was normally read. When it was not read normally, the magnetic data is decided to be defective and an image reading part 4 reads character information 1a and a bar code 1b on the surface of the card 1. Read information is decided by an image reading judging means 2d. When a bar code 2d is normally read, data stored at a corresponding position is fetched as information on a transferring destination by accessing to a database 6 through the use of an address expressed by a bar code and the data is processed by a transferring processing means 2c.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus having a transfer transaction function using a transfer card.

[0002] In recent years, automatic transaction apparatuses for automating each transaction of automatic deposit, payment and transfer of cash have been installed by financial institutions such as banks and widely used.

[0003] In such an automatic transaction apparatus, the transfer transaction is often performed repeatedly after a certain period of time, such as weekly or monthly. Therefore, a transfer card in which information of each transfer destination is recorded is often created. When a medium on which information is recorded is damaged, it cannot be used, and its improvement is desired.

[0004]

2. Description of the Related Art FIG. 5 is an explanatory view of a conventional example. FIG. B. Configuration of automatic transaction equipment and related equipment. Indicates the structure of the transfer card. A. , 80 is an automatic transaction device,
81 is a display device, 82 is a touch panel, 83 is a magnetic card reader, 84 is a control device, 85 is a printer, 86 is an interface including a communication device with a host, and 87 is a host computer.

[0005] The automatic transaction apparatus 80 has a function for a customer such as a bank to deposit cash using his / her own cash card or a cash card and a passbook, and to receive payment of cash. It has a function to transfer money to the other party's bank account.

When conducting a transfer transaction, a cash card or passbook held by the user is inserted into an unillustrated portion of the automatic transaction apparatus 80, and the first transfer to the partner is performed.
A bank name, a branch name, an account type and number, a name, and the like of the partner are selected and operated by the display on the display device 81 and the operation of the touch panel 82. As a result of this operation, the control device 84 transmits to the host computer 87 the information necessary to transfer the customer's account (recorded in a cash card or passbook) to the transfer destination from the deposit.
7, a transfer process is executed. Many automatic transaction apparatuses 80 having a transfer transaction function are provided with a function of selectively designating the creation of a transfer card so that a customer can easily execute a transfer transaction to the same partner from the next time. When the creation of a transfer card is specified, the information of the transfer destination specified by the customer is stored in B. of FIG. Is recorded as shown in FIG. That is,
The bank name, branch name, partner name, account type, and account number of the transfer destination are printed by the printer 85 on the surface of the transfer card, and the telephone number of the customer (transfer source) can also be printed. Further, data to be read by a computer, such as the above-mentioned bank name, branch name, name, account type, account number, etc. of the transfer destination corresponding to the content printed on the front side is recorded in a magnetic recording section provided on the back side of the transfer card. Is done.

[0007] When the customer makes a transfer transaction at the next opportunity, he or she selects the transfer transaction to the automatic transaction apparatus 80, inserts his / her own cash card or passbook into the apparatus, and performs an operation such as inputting a personal identification number. By simply inserting the transfer destination into the magnetic card reader 83, the input of the transfer destination is executed, so that the customer does not need to input the transfer destination information again.

In the above description, an example of a transfer card has been described as a medium used for a transfer transaction. However, a transfer passbook exists as a medium used for the same purpose, and information such as a transfer destination is recorded in the same manner as the transfer card. A magnetic recording unit is provided.

[0009]

When a transfer transaction is attempted using the above-mentioned transfer card (including a transfer passbook), if the transfer card is damaged, and especially if the magnetic data cannot be read, the user has previously input. There has been a problem that a transfer transaction cannot be performed unless data such as a transfer destination is input again.

The present invention provides a transfer transaction function using a transfer card which can perform a transfer transaction without re-entering information on a transfer destination or the like as much as possible even when magnetic data of a transfer card (transfer passbook) cannot be read. An object of the present invention is to provide an automatic transaction device provided with the automatic transaction device.

[0011]

FIG. 1 is a diagram showing the principle configuration of the present invention. In the drawing, reference numeral 1 denotes a transfer card provided with a magnetic recording unit (not shown) on which data of a transfer destination and the like as in the past is recorded, 1a denotes character information about a business partner and the like printed on the front surface of the transfer card, 1b Is a bar code indicating the position of a database or the like which stores information such as suppliers provided on the transfer card 1 according to the present invention, 2 is an automatic transaction device, 2a
Is a transfer control unit, 2b is a magnetic data determination unit, 2c is a transfer processing unit, 2d is an image reading determination unit, 2e is a database access unit, 2f is a character image recognition confirmation unit, 3 is a magnetic card reading / writing unit, 4 Denotes an image reading unit, 5 denotes a display / input unit, and 6 denotes a database which is connected to the inside of the automatic transaction apparatus 2 or via a communication line and stores information such as a transfer destination.

In order to perform a transfer transaction, a customer instructs the transfer / input section 5 of the automatic transaction apparatus 2 to perform a transfer transaction, and instead of inputting information on a transfer destination, the previously created transfer card 1 is transferred to the automatic transaction apparatus 2. When the card is inserted into the magnetic card read / write unit 3, the transfer control unit 2a is activated, the magnetic recording data on the magnetic recording unit on the back of the transfer card 1 is read, and it is determined by the magnetic data determination unit 2b whether the data has been read normally. I do. If it is determined that the data is normally read, the transfer processing is performed by the transfer processing unit 2c using the read information.

If the data cannot be read normally, the magnetic data is determined to be defective, and the character information 1a and the bar code 1b on the surface of the transfer card 1 are read by the image reading unit 4. The read information is determined by the image reading determination unit 2d. here,
When it is found that the bar code 1b has been read normally, the database 6 is accessed using the address represented by the bar code, the data stored at the corresponding position is taken out, the information of the transfer destination is taken out, and the transfer processing means is obtained. The processing is performed by 2c. In this case, the data retrieved from the database 6 may be displayed on the display / input unit 5 using a barcode, and the transfer processing may be executed when there is an input confirming that the customer is correct. Further, when the database 6 is provided in the automatic transaction apparatus 2, it is processed internally without passing through a communication line.

When the image of the bar code cannot be read normally, or when no data is stored in the database 6, the character information 1a of the transfer card 1 is recognized and displayed and input by the character image recognition confirming means 2f. The processing by the transfer processing means 2c is performed using the character data which is displayed on the unit 5 and recognized to be input by the customer for confirmation.

When the transfer information is obtained from the database by reading the bar code 1b, or when the transfer information is obtained by recognizing the image of the character information 1a, the obtained information is rewritten on the transfer card and correctly written. Return the card to the customer when it is inserted, but if it is not written correctly,
The information acquired on the new transfer card is magnetically recorded, and the character information 1a and the barcode 1b are printed by a printer (not shown). The character information 1a and the bar code 1b may be printed on the back side of the transfer card 1.

[0016]

FIG. 2 shows a hardware configuration of the embodiment. In the figure, 2 is an automatic transaction device, 20 is a card unit for handling a transfer card, 21 is an operation display unit, 22 is a control unit, and 23 is an external host computer connected to the automatic transaction device 2 via a network.

In a card unit 20 handling a transfer card for a transfer transaction, reference numeral 20a denotes a magnetic read / write unit for reading and writing to a magnetic recording unit provided on the back of the transfer card, and 20b denotes a transfer card. An image reading section for reading character information and barcodes on the surface of the card; 20c a printing section for printing new character information and barcodes on the transfer card; and 20d an issuing card storage section for storing cards to be newly issued. , 20e are card reject units for storing cards that cannot be read due to damage or the like. In the operation display unit 21, reference numeral 21a denotes a display for displaying, and reference numeral 21b denotes a touch panel provided integrally with the display 21a for input. Further, in the control unit 22, 22a is a CPU, 22b is a communication control unit, 22c is a memory (RAM or hard disk) storing programs and data, and 22d is a storage database built in the automatic transaction apparatus 2. In the external host computer 23, 23a is a control unit,
23b is an external storage database.

FIG. 3 is a processing flow of a transfer transaction using a transfer card according to the embodiment, which is executed under the control of a program in a memory 22c provided in the control unit 22 of the automatic transaction apparatus shown in FIG. When the transaction starts and the customer inserts the transfer card into the card unit 20 (S1 in FIG. 3), the magnetic data on the back surface of the transfer card (1 in FIG. 1) is read by the magnetic read / write unit 20a (FIG. 3). S2). Next, it is determined whether the read magnetic data is normal (S in FIG. 3).
3) If normal, the magnetic data (transfer destination information etc.)
Is used as input data (S4), and the process proceeds to a subsequent transaction operation (input of a transfer amount, etc.) (description is omitted).

If the magnetic data is not normal, an image of the surface of the transfer card (character information 1a relating to the transfer destination in FIG. 1)
And the bar code 1b) are read by the image reading section 20b of the card unit 20 (S5 in FIG. 3). Next, it is determined whether the read data image is normal (S in FIG. 3).
6) In particular, if the barcode (representing the address on the storage database) is normal, the storage database is queried for the transaction contents using the barcode (S7). In this case, if the address represented by the barcode corresponds to the storage database in the automatic transaction apparatus 2, the internal storage database (22d in FIG. 2) is accessed. By accessing the control unit 23a of the computer 23, the external storage database 23b is accessed.
Inquiry of transaction contents from the corresponding address of. By this inquiry, it is determined whether or not the accumulated data exists (because it is obtained) (S8 in FIG. 3). If there is, the accumulated data (actual data set before) is used as input data (S8).
9), a subsequent transaction operation is executed (S10). The content of the subsequent transaction operation in S10 of FIG. 3 is shown in FIG. 4 described later.

In S8, if it is determined that there is no stored data, character recognition is performed from the image data (data obtained by reading the character information of the transfer destination of the transaction card), converted into character data, and the characters are displayed on the display 21a. It is displayed and the transaction contents (transfer destination information etc.) are confirmed to the customer (S11 in FIG. 3). On the other hand, the customer
1b, an input for confirmation is made. It is determined whether or not the content is OK (S12 in FIG. 3). If the content is OK, the customer uses the transaction content confirmation data after confirmation as input data based on the transaction content confirmation data. (S13), subsequent transaction operation (S1)
Go to 0). The transaction contents where the customer is displayed in characters are OK
If it cannot be confirmed (correct), it is determined that the image data (data recognizing character information) cannot be handled as input data, and the transfer card is returned (FIG. 3).
S14). As a result, the damaged transfer card is returned to the card reject unit (20e in FIG. 2), and the processing is completed (the transaction is completed).

FIG. 4 is a processing flow of the subsequent transaction operation (S10 in FIG. 3). This operation is executed when the magnetic data is destroyed, and the content of the current transaction is written again as magnetic data (S101 in FIG. 4), and by reading and checking whether the magnetic writing has been performed normally. It is determined (S102). If the medium is not normal, it is determined that the medium has already deteriorated, the inserted transfer card is recovered to the card reject unit (20e in FIG. 2) (S103 in FIG. 4), and a new transfer card is issued (S10).
4). Next, the contents of the current transaction are printed on the surface of the new transfer card by the printing unit (20c in FIG. 2) (S10 in FIG. 4).
5) The contents of the transaction are written as magnetic data on the issued card (S106), the newly issued transfer card is returned to the customer (S107), and the transaction is terminated. Note that even if the magnetic writing is normal in S102, the transfer card is returned and the transaction ends.

[0022]

According to the present invention, even if the magnetic data of the transfer card is destroyed, the input operation can be easily performed without wasting data such as the transfer destination previously input by the customer. In addition, if the destruction of the magnetic data is not destructive, the present invention restores the data of the transfer destination and the like, and completes the transfer transaction, thereby reproducing the transfer card by recording new magnetic data without having the customer input again. be able to. Further, even in the case of destructive destruction of magnetic recording, it is possible to issue a new transfer card by issuing a new transfer card without newly inputting by a customer.

[Brief description of the drawings]

FIG. 1 is a diagram showing a principle configuration of the present invention.

FIG. 2 is a diagram illustrating a hardware configuration according to an embodiment;

FIG. 3 is a diagram showing a processing flow of a transfer transaction using a transfer card according to the embodiment.

FIG. 4 is a diagram showing a processing flow of a subsequent transaction operation.

FIG. 5 is an explanatory diagram of a conventional example.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Transfer card 1a Character information on business partners, etc. 1b Barcode 2 Automatic transaction device 2a Transfer control unit 2b Magnetic data determination unit 2c Transfer processing unit 2d Image reading determination unit 2e Database access unit 2f Character image recognition confirmation unit 3 Magnetic card reading / reading Writing unit 4 Image reading unit 5 Display / input unit 6 Database

Claims (4)

[Claims] An automatic transaction apparatus having a transfer transaction function using a transfer card is provided with a transfer card printed with a bar code representing a character information of a transfer destination and a storage address of information such as a transfer destination, and a magnetic card of the transfer card. Means for determining the contents of data read, an image reading unit for reading contents printed on the transfer card if the read contents are not normal, and a transfer destination stored by accessing a database using the contents of the read barcode as an address An automatic transaction apparatus, comprising: a database access unit for extracting information such as a transfer destination; and a transfer processing unit for performing a transfer process using the extracted transfer destination information. 2. The method according to claim 1, wherein if the database access means determines that the information cannot be retrieved, character recognition is performed using the image data of the character information of the transfer card read by the image reading means. A character image recognition confirming means for displaying a result and requesting confirmation; inputting character data recognized as being confirmed to the transfer processing means as data of a transfer destination or the like to perform a transfer process; Trading equipment. 3. The magnetic card reading / writing device according to claim 1, wherein information such as a transfer destination is input based on a barcode or character information read by the image reading unit and transfer processing is performed. An automatic transaction apparatus for activating a transfer unit and controlling to write information such as the transfer destination into a magnetic recording unit of the transfer card. 4. A transfer card according to claim 3, wherein said magnetic writing result determination means for checking a result of said magnetic writing, and when said determination means detects that magnetic writing is not performed normally, a new transfer card is taken out. An automatic transaction apparatus for printing information on the transfer destination and the bar code and writing data corresponding to the magnetic recording section.