JP2002183802A - Automatic teller machine - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve problems on a conventional automatic teller machine using a passbook in transaction that the passbook is returned to a customer and transaction is finished as transaction with the customer is left incomplete, if magnetic stripe data cannot be read because of the breaking or the like of the magnetic stripe data on the passbook. SOLUTION: If the magnetic stripe data on the passbook cannot be read, magnetic stripe information on a cash card having the same account as that of the passbook is collated to host data to keep transaction on.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic cash transaction apparatus used in financial institutions such as banks.

[0002]

2. Description of the Related Art A conventional automatic cash transaction apparatus will be described below with reference to the drawings. FIG. 5 is a schematic block diagram, and FIG. 6 is a schematic diagram of a passbook entry machine. In the figure, reference numeral 1 denotes a main control unit, which is a center of the automatic transaction apparatus, and controls all connected units as follows in accordance with the progress of a transaction.

[0003] Reference numeral 2 denotes a customer operation unit, which is a part where the customer performs various operations such as input of a personal identification number and amount of money, which is arranged on an input key, a CRT for displaying guidance text, and a CRT,
It is composed of a touch panel for detecting where the customer presses the display screen. Reference numeral 3 denotes a card reader printer, which reads and writes magnetic information recording section data on a card-shaped magnetic recording medium and prints transaction details on a statement sheet.

[0004] Reference numeral 4 denotes a bill receiving / dispensing machine, which has functions of discriminating and counting deposited bills, and counting and paying out a designated number of bills. Reference numeral 5 denotes a coin depositing and dispensing machine, which prints transaction contents to a passbook and reads and writes data of a magnetic information recording portion of the passbook. Reference numeral 6 denotes a passbook entry machine, which prints transaction contents to the passbook and reads and writes data to the magnetic information recording unit for reporting. This passbook entry machine 6 is shown in FIG.
As shown in FIG. 1, an MS processing unit 10 for recording and reading data of a magnetic stripe (hereinafter, referred to as MS) provided to a passbook, a page line analyzing unit 11 for optically reading a final print line number and a page mark, Printing unit 1 for printing on passbook
2. It comprises an ATP (auto turn page) section 13 for automatically turning pages of a passbook.

Reference numeral 7 denotes an internal operation unit, which displays various operations for bank employees and maintenance personnel, for example, displays various information such as the operation status of the automatic transaction apparatus, the contents of transactions being executed, and the occurrence status of failures.
It issues operation instructions such as power ON / OFF, reset instruction, maintenance operation execution instruction, and the like. Reference numeral 8 denotes a higher-level interface unit, which is a host computer 9 owned by, for example, a financial institution, and controls the plurality of automatic transaction apparatuses and collects information.
This is an input / output port for connecting to a computer via a switching line or the like.

FIG. 7 shows a case where a transaction using a passbook such as a passbook entry and a deposit is performed in the automatic transaction apparatus having such a configuration.
This will be described with reference to FIG. S1 The customer selects a transaction in the customer operation unit. S2 It is determined whether or not the transaction uses a passbook. If the transaction does not use a passbook, each transaction is executed (S2).
3). If the transaction uses a passbook, insert the passbook (S
4).

[0007] When a passbook is inserted into the passbook entry machine, data written in the MS first assigned to the passbook is read (S5). The MS data contains information such as a passbook type, a store number, an account number, and the like, and it is determined whether the read information is normal (S6). If normal, the read MS data is transferred to the host computer (S
7).

A collation with host data is performed (S8). If it is determined that the transaction is possible, the transaction such as payment is continued (S
9). However, if the MS data cannot be read due to the destruction of the MS data in S6, or if it is determined that the transaction cannot be performed by collation with the host data in S8 even if the MS data can be read, the phrase “passbook cannot be used” is displayed ( S10). Subsequently, the passbook is returned to the customer because the transaction is not established, and the process is terminated (S
11).

If the transaction is continued in S9, it is determined whether or not the transaction is completed (S12). If the transaction is completed, MS data is rewritten (S13) and the passbook is returned to the customer. Then, the transaction ends normally (S14). If the transaction is not established, the passbook is returned to the customer because the transaction is not established and the process is terminated (S11).

[0010]

According to such a conventional technique, when the MS data cannot be read due to the destruction of the MS data or the like, the passbook is returned to the customer and the transaction is terminated. There is a problem that it is not performed.

[0011]

SUMMARY OF THE INVENTION Accordingly, the present invention relates to an automatic cash transaction apparatus, in which a transaction using a passbook is performed when the magnetic stripe data of the passbook cannot be read. The transaction is continued by matching the stripe information with the host data. Further, an IC chip is mounted on the cash card together with the magnetic stripe, so that information of the IC chip can be used for comparison with host data. Furthermore, an image recognition unit was provided to read the content of the passbook print content that can specify the last transaction print page of the passbook, and the collation with the host data revealed that the transmitted passbook print content was different from the passbook print content of the last transaction print page. In this case, it is determined that an incorrect page is opened and inserted, the final transaction print page is set to the correct one, the image recognition process is performed again, and if the page is correct, the transaction is continued. Further, it is characterized in that magnetic stripe data is newly written when a transaction is established.

[0012]

Embodiments of the present invention will be described below with reference to the drawings. First Embodiment The configuration of the device is the same as the above-described configuration, and thus the description is omitted. The case of conducting a transaction using a passbook such as a passbook entry and a deposit according to the present invention will be described with reference to the flowchart of FIG.

SA1 The customer selects a transaction in the customer operation section. SA2 Judge whether it is a transaction using a passbook,
In the case of a transaction not using a passbook, each transaction is executed (SA3). If the transaction uses a passbook, the passbook is inserted (SA4). When the passbook is inserted into the passbook entry machine, the data written in the MS first assigned to the passbook is read (SA5).

The MS data contains information such as passbook type, store number, account number, and the like, and it is determined whether the read information is normal (SA6). The read MS data is transferred to the host computer (SA7). Collation with the host data is performed (SA8). If it is determined that the transaction is possible, the transaction such as payment is continued (SA9).

However, if the MS data cannot be read due to the destruction of the MS data in the above SA6, the customer is guided not to return the passbook immediately but to insert a cash card of the same account as the inserted passbook. Then, when the customer inserts the card into the card reader printer (SA10),
The MS attached to the card is read (SA1
1).

It is determined whether the reading is normal (SA1).
2) If normal, collation with the host data is performed (SA8). If it is determined that the transaction is possible, the transaction such as payment is continued (SA9). If the reading is disabled in SA12, the phrase "passbook (/ card) cannot be used" is displayed (SA13), and the passbook / card is returned when the transaction is not established (SA14). Similarly, when it is determined in SA8 that the transaction is not possible, the phrase “passbook (/ card) cannot be used” is displayed (SA13), and if the transaction is not established, the passbook /
The card is returned (SA14).

If the transaction is continued in SA9, it is determined whether or not the transaction has been established (SA15). If the transaction has been established, MS data is newly written (SA1).
6) Return the passbook to the customer and end the transaction normally (SA17)
Becomes If the transaction is not completed, the passbook / card is returned to the customer because the transaction is not completed in the same manner as described above, and the process ends (S
A14).

According to the embodiment described in detail above, if the passbook MS data cannot be read during the transaction using the passbook, the passbook must be immediately returned to the customer and the transaction must be performed. Instead of inviting the customer to insert a cash card with the same account as the passbook, the transaction can be performed by using the inserted card's MS data to match the host data instead of the bank's MS data. You can continue.

Further, by writing the MS data of the passbook when the transaction is completed, the MS data of the passbook can be read at the time of the next transaction. As a result, since the MS data of the passbook cannot be read, transactions using the passbook, such as entry into the passbook and payment, cannot be prevented, and the service to the customer can be improved.

Further, in the past, the passbook returned without reading the MS data was manually rewritten with the MS data at the counter, but this operation is not required. Second Embodiment This embodiment is characterized in that the cash card according to the first embodiment has a structure in which an IC chip is further embedded.

In FIG. 2, reference numeral 14 denotes a magnetic stripe (M
S), and the same magnetic recording as the MS of the conventional cash card is written. 15 is an IC chip,
Store numbers and account numbers, which are the same information as in the magnetic recording of MS, needless to say, include much other information. Therefore, a card reader printer handling the cash card with an IC chip has an MS processing unit 16 and an IC chip processing unit 17 as shown in FIG. Reference numeral 18 denotes a receipt, 19 denotes a receipt cutter, and 20 denotes a receipt printer unit.

When the cash card with the IC chip is used as described above, in the process of reading the passbook inserted into the passbook entry machine, if the MS cannot be read, the passbook is not returned and the same account as the inserted one is not returned. By guiding the customer to insert a cash card with an IC chip, the MS of the cash card inserted into the card reader printer is read to read information such as a store number and an account number. At this time, if the MS of the card cannot be read, the IC chip is read,
Read information such as store numbers and account numbers. IC read
The information of the chip is compared with the host data, and when it is determined that the transaction is possible, the transaction such as entry into a passbook or payment is continued. When the transaction is completed, passbook and cash card M
S data is newly written and the processing is terminated.

By using a cash card with an IC chip as described above, at the time of a transaction using a passbook,
When the passbook MS cannot be read due to destruction or the like and cannot be transacted, as in the first embodiment, the MS of the cash card of the same account is read and collated with the host data. In this case, if the transaction cannot be performed without reading the MS of the cash card due to destruction or the like, the transaction can be continued by reading the information of the IC chip.

Further, when the transaction is completed, the MS data of the passbook and the cash card are also updated, so that the work of manually rewriting the MS data at the window becomes unnecessary. Third Embodiment This embodiment is different from the first embodiment and the second embodiment in that the passbook entry machine is provided with an image (color image is also acceptable) recognition unit. There are features.

FIG. 4 shows a passbook entry machine, in which an image recognition unit 16 is further mounted on a conventional mechanism. In the MS reading process of the passbook inserted into such a passbook entry machine, if the reading cannot be performed due to the destruction of the MS or the like, a cash card of the same account as the inserted passbook as in each of the above embodiments. By reading the information of the MS or IC chip, the host data can be collated with the host data, and if it is determined that the transaction is possible, the transaction can be continued. The processing is performed, and the content of the passbook print content that can specify the last transaction print page such as the final balance printed on that page is read.

The information of the MS or IC chip of the cash card read by the card reader printer and the passbook print contents read by the image recognition by the passbook recording machine are
The information is transmitted to the host computer, and when it is determined that the transaction is possible by collating with the host data, the transaction such as passbook entry and payment is continued. Also, if the transmitted passbook print content is different from the passbook print content of the last transaction print page in the comparison with the host data, it is determined that the wrong page is inserted after being inserted, and the correct last transaction print page is opened. For this reason, automatic page turning is performed, or the customer is made a correct page and reinserted, and the image recognition processing is performed again. If the page is a correct page, the transaction is continued.

When the transaction is completed, the MS data of the passbook is newly written and the process is terminated. According to the above-described embodiments, at the time of a transaction using a passbook, as in the above-described embodiments, the passbook MS cannot be read and the transaction cannot be disabled. The work of the staff can be reduced.

Further, according to the present embodiment, since it is checked whether the page opened at the time of inserting the passbook is the last transaction print page, it is possible to reliably print on the correct page. An accident such as printing on an incorrect page will not occur.

[0029]

According to the present invention described in detail above, in a transaction using a passbook by an automatic teller machine, if the MS data of the passbook cannot be read, the MS information of the cash card of the same account as the passbook is transmitted. The transaction can be continued by collating with the host data, and the service to the customer is improved.

Further, since the MS data can be updated when the transaction is completed, there is no need to manually rewrite the MS data at the counter, which has the effect of reducing the trouble of the customer and the staff. .

[Brief description of the drawings]

FIG. 1 is a processing flowchart showing a first embodiment of the present invention.

FIG. 2 is an explanatory diagram of a cash card according to a second embodiment.

FIG. 3 is a diagram illustrating a card reader printer according to a second embodiment.

FIG. 4 is an explanatory diagram of a passbook entry machine showing a third embodiment.

FIG. 5 is a block diagram of an automatic teller machine;

FIG. 6 is an explanatory view of a conventional passbook entry machine.

FIG. 7 is a conventional processing flowchart.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Main control part 2 Customer operation part 3 Card reader / printer 4 Banknote depositing / dispensing machine 5 Coin depositing / dispensing machine 6 Passbook bookkeeping machine 7 Internal operation part 8 Upper-level interface part 9 Host computer 10 Magnetic stripe processing part 11 Page line analyzing part 12 Printing part 13 Auto turn page section 14 Magnetic stripe 15 IC chip 16 Image recognition section

Claims (4)

[Claims] In an automatic teller machine, in a transaction using a passbook, when magnetic stripe data of the passbook cannot be read, the magnetic stripe information of a cash card of the same account as the passbook is compared with host data. An automatic cash transaction apparatus characterized by allowing a transaction to be continued by: 2. The automatic cash transaction apparatus according to claim 1, wherein an IC chip is mounted on the cash card together with the magnetic stripe, and information of the IC chip can be used for matching with host data. 3. The passbook print content according to claim 1, further comprising an image recognition unit, reading the content of the passbook print content that can specify the last transaction print page of the passbook, and comparing the transmitted passbook print content with the host data to determine that the transmitted passbook print content is the last transaction print page. If it is different from the passbook print content, it is judged that the wrong page was opened and inserted, the correct final transaction print page is set, and the image recognition process is performed again,
An automatic cash transaction apparatus wherein the transaction is continued if the page is correct. 4. The automatic cash transaction apparatus according to claim 1, wherein magnetic stripe data is newly written when the transaction is completed.